OpenSky® Mobile 4+

A good card for rebuilding my credit. I started with a $300 deposit and several months later they upped my limit to $400 without me asking and without an additional deposit. Very good points for this card! However; if you’re on autopay each month beware! I made a manual payment this month over 2 weeks early on what would have been due on this month’s auto payment. The balance remaining wasn’t due until next month’s autopay date. But they went ahead on the 19th and took an autopay which didn’t clear my bank because I wasn’t expecting them take anything for a payment I already paid….and then charged me a $25 return check fee. I called customer service and was told they simply aren’t setup to reverse the fee. It doesn’t pay to make a payment early here because it’s going to cost you a lot more money in the long run. As for the app and all the users here having issues with this, it’s always worked fine for me. Maybe it’s different for various phone models, I’m iOS but it should be working well for everyone. I’d say bad app developers. And yeah, no phone number is on the app. I had to do a Google search to find one. Overall I’m not happy about being ripped off for a $25 check fee when I made my full payment due over 2 weeks early.

So my friend had introduced me to this app so that I could start to build my credit up , a couple of years ago. Everything has been running smoothly , no issues , payments made on time for the past a couple of years . The app worked fine ; until a little over a month ago. Every time I click on the app to sign in to check my balance or what ever , it tells me “ CONNECTION ERROR… seems like we are having connectivity issues . Please try again later.”. I have been checking almost everyday since then and it still tells me the same excuse . I had turned my wifi on and off an on again, I have had 2 bars .. 3 .. and full bars of connection and still nothing, I have deleted an re downloaded the app 3 times assuming that if it needed an update it would but didn’t . So for now a little over a month I can not access the app due to some ridiculous “ connection error “, but yet when I called the customer line , I was told my account is perfectly fine but the issue ( the app ) is on my end not there’s… now how can I cause a connection issue if I’ve taken all the extra steps an precaution to aid the problem an it still not be fixed ? I’m now forced to make over the phone payments Opensky , please do better for your customers 😒.

I just began my relationship with Open Sky and the app is the absolute worse for starters. It may work one day and the next you will see nothing but a plain white screen for days at a time. That is not advantageous to ANYONE trying to keep a constant eye on their payments and progress. It’s also asinine that payments are not directly drafted and take 7-10 days to be drawn from your account which can still result in making your payments late even if you paid them EARLY. I read the reviews and far too many people have made these same comply. It is 2021 and there is no reason a company of this stature should be utilizing such antiquated methods. Unfortunately I will have to keep the card and use the actual website to stay abreast of my payment activity since the point of having the card is to rebuild my credit and use the card for X amount of time. Do better Open Sky.