I opened a card with Opensky months ago. I never recieved a card. After hours and hours and multiple days of trying i FINALLY closed my account (i got a mail in the letter TWO DAYS AFTER explaining my closed account) I have yet to recieve my security deposit back(300 dollars) even after paying for an annual fee after not even using or recieving a card. Ive talked to multiple customer service reps and each say my check was sent out on completly different days. Is this how the comapny makes money? Scamming people? User's recommendation: STAY AWAY.