Called Me a Liar--Not Good Service
During my divorce, "our" American Express Card was in my wife's name and she dropped me as a user. I needed a credit card (and a i needed to go from no credit to my 800 three years later--now). I got a card from Open Sky. My first bill included a $29 fee for late payment. They'd sent the bill to my old address and the post officce never got it to me. They could have said anything but the rep accused me of lying. They had my cash that I was borrowing against. Once they got the address things went well and at my first opportunity I cancelled the card and got my $500 deposit back in a few months. There are better secured credit cards.