Applied, sent deposit, never received the card. Checked back after few more business days (a total of 12) and was told my address was not enterred correctly (it was) so the card was returned to OpenSky. During this phone call i decide I want to go in another direction and want to close the account all together. The lady assures me the account is closed and that my deposit will be refunded to me in the form of a check in 4-6 weeks. A week later, I receiver a OpenSky credit card in the mail followed by an email saying my card is activated (i never activated the card). I immediately call to ask what's going on and reiterate that this account was closed, and was told there were no notes of a closed account on file. But that I reported it Lost/Stolen. The guy then proceeds to say the account will be closed and a return check for my deposit will be mailed in 2-3 weeks. I ask to speak to a supervisor, who also checks and says the account was never previously closed. Then says the deposit return check will actually be sent in 3-4 weeks. The next day, I check my credit report and see the OpenSky account was actually report closed on the initial date i called to close. I call back, get a guy who can now see that this WAS documented by the initial rep (2 people somehow missed this, including a supervisor). He assured me that this would be taken care of and a deposit return check would be sent in.....1-2 weeks (4 varying deposit return estimates from 4 different reps). I asked him why would this even be reported as an open account on my credit report if I closed it before a card was even successfully sent, he said "well we were going off of the information we had here". Needless to say, I plan on disputing even the mention of the company on my credit report. Unorganized, reaching a rep takes a ridiculous amount of work around the phone tree, reps all lack proper training. Don't trust, go with another credit building option from a credit union or more well known company. *Update* - still haven't received deposit refund, it's going on 3 months since the initial application.