DO NOT USE OPEN SKY CREDIT CARDS! I made a payment, they took the money from my account then REFUSED to release my funds to my available balance. I spoke with 3 different people who "couldn't see the payment" after hours of waiting on a supervisor she says she can't release the funds even though she sees the payment. The lady then hangs up and emails me saying they closed my account! WITHOUT REFUNDING MY MONEY! I had to contact Wells Fargo (the account I used to pay Open Sky). Wells Fargo informed them what they did was illegal and WELLS FARGO RETURNED MY Open Sky payment!