2015 Review: Is The Horizon Gold Credit Card Really a Scam?

Have you had a bankruptcy, foreclosure, or just a history of bad debt? If so, be careful because there are lots of unscrupulous lenders and other predatory companies that will try to take advantage of you.

A prime example is the Horizon Gold card. If you currently have an account or you’re thinking about getting one, this review is a must-read.

Quick Overview for 2015: Horizon is NOT a real credit card. Instead, it is an account you can only use at once place (their website) to buy merchandise. This is absolutely the worst, most predatory kind of card to have. In total, the fees for the card can run as much as $300 or more per year, which is truly outrageous. They even say this on their website, here’s the fine print disclosure:Horizon Gold disclosure statement
If you have bad credit, you would be much better off getting a major credit card (like a MasterCard) that you can use for purchases everywhere.

When you go to the homepage for Horizon card services, you are taken to a sales pitch for it. In big bold red font they tell you it’s possible to get:

  • $500 limit
  • Guaranteed approval
  • No credit check
  • Bad credit – OK
  • Fast online application
  • No employment check
  • Reports to major bureau

That sounds almost too good to be true, right? Well that’s because this is not a bank and you’re not getting a traditional credit card. You’re being sold a bill of goods, none of which is good.

How it really works…

1. This is an online retailer, not a bank or a regular credit card issuer

At the top of the page is the “pre-acceptance disclosure” and if you scroll through it (which is difficult to do by the way, since they only show 4 lines of text at a time) you will see for yourself who’s actually behind the so called Gold card:

Horizon Gold disclosure statement
(blue highlight added by me)

That’s right, this is not a bank, credit card company, or any other other type of financial services organization. What the Horizon Gold card offers you is merely a line of credit to shop at their own website, called Horizon Outlet (which I’ll discuss in a moment).

This is NOT a Visa, MasterCard, Discover or American Express. You can only use this card for shopping from their online catalog/store.

2. The plan costs $24.95 per month (that’s almost $300 per year!)

They don’t charge interest, instead they just charge you a bunch of fees and sell you overpriced merchandise.

My guess is that the reason they don’t charge interest is because if they did, it would probably expose them to various credit card regulations. And since they’re not an actual bank, that might make their twisted business model more difficult to get by the authorities that govern real banks.

Instead, it seems they skirt around by charging you a monthly “membership/benefits plan” of $29.95 per month:

the expensive $24.95 monthly fee

You get automatically enrolled in this upon activation. They say for “ease and convenience” the $24.95 will be auto-debited monthly from your checking or bank account on file. Convenient for them, anyway!

Keep in mind that $24.95 per month is a whopping $299.40 per year! But wait, there’s more…

3. Fees, fees, and more fees

As if paying almost $300 per year for the card wasn’t bad enough, there is a laundry list of other fees and charges which you might experience while using the account:

  • One time Card Issuance and Account Validation fee: $5.00
  • Fee for returned checks or debits, second NSF: $25.00
  • Outlet Store Residential Delivery: $2.00
  • Outlet Store Delivery Signature Verification: $2.50
  • Monthly maintenance fee: $6.00 (waived to all active Horizon Card Services members).

Even after I read all 5,000+ words of the “pre-acceptance disclosure” I’m still confused as to when/if each of these fees is charged. If you already have an account with them, call up their customer service (the phone number is 1-800-251-6144) to find out so you don’t get hit with them unexpectedly. Oh, and cancel the card while you have them on the phone.

4. It’s not guaranteed to show on your credit report

The reason a lot of people with bad credit will pay for things like this is because they want to get a fresh start with re-building.

Well, if you’re counting on the Horizon Gold credit card to do the trick it may help. Maybe. But make sure you read this fine print on the application:

T&C for reporting to credit bureau

As you see right there, they clearly say they do not guarantee “the posting of any positive references to any credit report.” Now in their defense, rumor has it that they do report the account to TransUnion (and then after a few months, the other two credit bureaus Equifax and Experian will pick it up after seeing it on TransUnion).

But the fact remains that paying almost $300 per year for the “membership plan,” not to mention all the other fees, is a complete ripoff just to get another account for your credit report. There are much less expensive options available, which I’ll discuss in a minute.

5.  The merchandise is insanely overpriced

Personally, I can’t access their shopping site, called “Horizon Outlet,” because in order to see the products you need enter your Horizon card number.

But based on the reviews and feedback I’ve seen posted on the net, their merchandise sounds like it has ripoff prices. Here’s what one customer alleged in a forum post:

customer review of card

Of course I have no way of verifying the accuracy of his or her claims, but it does sound comparable to what a number of people say about this company.

What should you do?

You will see many complaints posted online where people allege that the Horizon card is a scam or fraud. Technically speaking, it isn’t. There’s nothing illegal about what this company is doing. Immoral? Perhaps, but it’s not illegal. So it’s not technically a “scam” but rather just an extremely overpriced credit account designed to take advantage of those without other options. Not to mention that it also has very limited use.

When compared to “real” bank-issued credit cards for bad credit, I see little reason why you would get this quasi-credit card from Horizon Gold. Even the most overpriced cards from an unscrupulous bank like First Premier will still probably end up costing you less than this.

But the best option for you is to get a secured credit card. With those, you put up a security deposit which is fully refundable when you close the account (assuming you don’t have any outstanding obligations on the account).

My recommendation? If you wanted to apply for the Horizon card, don’t do it. Just walk away. If you already have one, cancel it as soon as you can. Instead, try out this sponsored tool to see if there are any credit card offers you are pre-selected for. Click below, fill out the form, and see your results. Then you can get a real credit card that can be used anywhere – just use it responsibly and you can grow your credit over time.

 
Comments
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Thanks everyone got a card £2500 credit limit ordered a TV but it wouldn’t let me go through with the order looked up the internet glad I did cancelled straight away thanks again

S C A M !!!!!!!!!
This is the biggest scam I’ve ever had the displeasure of being sucked into. I was under the impression that this was a MAJOR c/c. I was even willing to pay the 29.95 fee, under that impression. It wasn’t until I realized this is nothing more than over-priced K-Mart apparel that I felt like a complete, Class-A SUCKER! The good news is that once you realize you’ve been totally scammed you can call their customer service line, and get your account cancelled and your fee refunded. HOWEVER…be aware that they will do ANYTHING to keep you. Let’s see, I was offered an additional 500.00 line, a $60 gift card, reduced fee of 6.95 per month, and I’m pretty sure something else, but at that point my head was reeling, and I was now only hearing the Charlie Brown school teacher talking. Be sure to stick to your guns…if you want to cancel just politely continue to tell them “no thank you”. Eventually, they will transfer you to a processing department, and they will process your 29.95 fee refund. (BE SURE TO CALL THE VERY DAY YOU SIGN UP THOUGH, OR YOU MAY NOT BE ABLE TO RECEIVE THE FULL REFUND!!!) Oh, and also be sure to get the name of the person you spoke with, along with a CANCELLATION CONFIRMATION NUMBER.
#totalwasteoftime

I fell f or it as well years ago. But as you did, I called to cancel it. They tried to increase my credit limit the whole ten yards to keep me from cancelling that stupid card. But l was very firm and they did eventually cancel the card. and let me tell you the merchandise was nowhere near Kmart quality, I’m thinking dollar store, not a variety of the garbage that was online. And when I did see something I kind of liked, just to try the card out, it was not available. What a joke!

I received a Horizon Gold Card in yesterday’s mail. I immediately called the company to inquire about and cancel it because I DID NOT request it nor did I authorize a charge to my bank card. They wanted me to give them all kinds of personal information to access “my account” but all I would give them was the account number from the card, my name and the name of the street I live on (minus the #’s). The girl kept insisting that I answer her questions so she could access the account (the same account information that was sitting on her monitor). Push comes to shove and I simply said that I refuse to relinquish my personal information to a company I never heard of and that if she did not cancel the entire account immediately I would simply contact the Pennsylvania Attorney General’s Office and the Pennsylvania Sect. of State to garner the “Corporate records” to find the principles of the company. Funny thing…she immediately cancelled the account, gave me a cancellation number. LOL, I still contacted the offices I threatened about and I contacted my State Attorney as well.

Micheal Craig

WOW I sure stepped on it this Time … THANKYOU TO ALL WHO HAVE POSTED EXPERIENCES With this Company am GOING TO CLOSE IT OUT IN A.M. Thru My Bank…MCCraig

I’ve tried to cancel it won’t let me I have never used the card can someone please help me and I would like to get my money back

Kathy— read my post of July 14, 2015. Hope it helps you.

Bad credit can be corrected by simply listening to the people(website) in reference to building your credit. I have bad credit, but I am taking the advice of the lovely people who or sharing their experiences . Thank you

I am glad that I have read most of the complaints about this card. I am going to phone them on Monday morning and cancel the card. They have been charging my debit card for 6.95 a month. Thank you all for the info.

this is A rip off ! Prices wAy to high ! Nothing in store like folks realy need! Folks I just saw a pair of 250 Levi jeans! Are you kidding the same jeans at mall is 40 bucks! Goodluck to all that has but I’m a smart lady I read shit before I go their ! I just was browsing in store and saw what I saw! I have a few secured cards that have now been a big progress! Cash back plus I can buy anything from anywhere ! For a smAll payment which is refundable ! So beware of this crap or pay pay pay for high dollar clothes is all I saw ! Mayb a few bookshelfs which they want 3 to 500 in Walmart is 50 bucks

HorizonBADCard

So I had already read the horrible reviews of Horizon’s Outlet card. But my curiousity got the best of me. WHY couldn’t I just see what this company sold without signing up? Why hadn’t anybody written anything about what they sell? So, I became a cardholder for about five minutes before I cancelled. I took about two minutes browsing the site before I called to cancel, and even though they boast that cancellation is easy and takes less than a minute, I spent almost 20 minutes on the phone declining my credit line increase to $1000, and having my monthly fee reduced from $24.95 to $6.95. They also offered an $80 voucher. Once I finally got them to agree to a refund, they were only going to refund 60% of my $29.95 fee, saying this was prorated for the length of time I’d been a member. Well, I’d literally had the card in hand five minutes and told them I would not accept anything less than full refund, as their slow mailing process is not my problem. Anyway, as far as what they sell: cheap clothing, shoes, and jewelry, of Dollar General quality, along with various overpriced household items like a single electric burner and cheap coffee makers. Nothing, I repeat NOTHING on there is worth the exorbitant fees they charge. THEY DO NOT SELL ANY ELECTRONICS WHATSOEVER. Please refer to my photobucket album for photos of the actual items I browsed through during my 20 minute call to cancel this stupid card: http://s300.photobucket.com/user/horizonsucks/Horizon/story

I went to check out and it’s asking for my debit card why is it doing that

You have to pay for shipping separately. Their card is only for “Goods purchased” on their site, per the manager I spoke with earlier today.

RIP OFF!!!!!!!!!!!!!!!!!!

RUN. SCAM RIP OFF. GET A SECURED ACCOUNT ELSE WHERE

I’m cancel this card asap

Thank you and all the people for the heads up on this horizon gold card scam , i was immediately skeptical At the insane prices im cutting my card in two thank you all who made people aware of these scammers hopefully They’ll get arrested. They deserve to be for taking peoples money who work hard for it

I just got this card because I have no credit I tried reading through everything as best I could and no where did it tell me that it was going to charge me 29.95 but they did anyway and I didn’t see anywhere that it was an online only card. I got this card so I can use it for gas and food and pay it back to help build my credit although it’s not a terrible idea to have it to buy things that I need like tires or certain part that I found online from my car but this card is something I don’t need I applied not even 20 minutes ago and I already regret it I tried calling to cancel and now its telling me that they’re having technical difficulties to call back another time for you apply for this card go through and read all the comments this card is good for some people and not for others as card is definitely not good for me that’s not what I needed or what I wanted and even though I read everything I didn’t know I was getting charged until I got a text from my bank so be careful

I applied for and got the horizon gold card, I have a basic membership…the fees are less than $7 a month, they report to transunion every month, which is good for people such as myself who just need so e open lines of credit. There are no interest fees , I think people are expecting to Get a card that they can use anywhere, but for a merchandise card this is a great idea….I ordered and had my merchandise in 2 days, Li couldn’t be more pleased , thank you Horizon Gold for helping me build a credit profile !

this commentor is a plant for Horizon.

I have them just so they report to transunion my score is now 729 and I wish they would report to the other credit bureau but I wouldn’t recommend buy anything from them everything over priced but if u went to help your credit score I would recommend it

Dear Derek.
I agree with you 100%! People are calling you a plant for Horizon. You may or may not be. I got the Horizon Card for one reason, to purchase merchandise on the Net. I have an Apparel Start up, and while I’m awaiting my small business loan, I have orders to fill. Horizons apparel prices are not “insane”! It’s insane for people with crap credit to think they can get a $500 UNSECURED credit card to pay for Pizza! Haha! How stupid. The Company spent over an hour explaining how the Card works and the fees I’d be charged. They also hooked me up with Lexington Law firm to challenge some negative hits on my credit rating, which is 670. Not good. If I can erase some of the negatives, I’ll be over 720 and eligible for a Small Business Loan. As I said before, I went with Horizon because I want to use it’s services as they plainly spell out, purchasing merchandise to fill orders I could not afford to fill. Also, people looking for an UNSECURED credit card are obviously in financial trouble. How stupid would a Company have to be to hand out UNSECURED cards to these folk? Can you say bankrupt in a month. I have a secure card for my bills and necessities, and a Horizon Card for Company purchases. You people need to drop the victim mentality and use your heads.

How do I check my order status ?

I have one and it is not 7 a month I am charged 29 a month. Being a single parent with small children, I can fiond much cheaper stuff else where. The prices ae crazy and you obviously work for them.

Got the card and was charged the 29.95. There is nothing good in the store except maybe a couple of obscure items you may never need, and they are over priced. I called today to cancel, and after 45 minutes of being on hold, being trasfered three times and having to give my information all three times, they finally cancelled my account. But first, the first person hounded me with about 7 different come-backs after I said I wanted to cancel. The “let me up your limit” “let me lower your fee” etc etc. After being very nice through all of this she started to ask why I wouldn’t accept any of her offers so I finally told her I didn’t want to hear one more thing come out of her mouth other than she was canceling my card. At which time she transfered me to someone else who tryed again, then to another person who finally canceled my card, and gave me a confirmation number. He then also tryed to sell me a legal service and a cash advance. GEEEEEEZ these pepople are relentless!! STAY AWAY!!

what is their number please and or they open 7days week

The number to cancel is 1-800-251-6144. I think their open monday-saturday.

I’ve got my order ready and need to check out but my card don’t have exp date or code on back. What do I do to check out?

DID ANYONE EVER ORDER ANYTHING & GET THE PRODUCT ORDERED???

I’ve had the card for two months and I haven’t used it yet. I called to cancel my membership about three and half weeks ago but they talked me into keeping it and raised my credit limit from $500 to $1000 along with the promise that even if unused and payments are made on time it would reflect a positive standing on my credit report… Well I just check my credit report through experian and nothing showed about horizon gold or the $1000 credit limit. I’m canceling today.

I JUST WENT THRU THE SAME EXACT THING. I WANTED IT CANCELED & MY $29,95 BACK ON MY DEBIT CARD & SHE UP MY CREDIT LINE FROM $500 TO $1000. I WAS ABOUT TO BUY A TV I NEED BADLY NOW BUT STARTED READING ALL THE BAD THINGS ABOUT THIS DAMN CARD.. OMG.. CALLING & CANCELING
IN THE MORNING.. SHE AIN’T TALKING ME OUTTA THIS NOW…
THANX FOR THE INFO…

THEY DID THE SAME EXACT THING TO ME ON SEPT. 26, 2014 UP MY CREDIT LINE FROM $500 TO $1000
I NEW SOMETHING WAS WRONG TO UP CREDIT LINE DOUBLE & THEY GAVE ME $10 BACK FROM PROCESSING FEE TO KEEP IT & USE IT… WELL I WON’T BE DOIN THAT… BAD AS I NEED A TV.. I WILL BE CALLING IN A FEW HRS TO GET THE HELL AWAY FROM THIS SHHHHH… THANX…

I got this card and tried canceling the auto membership ($19.95). In lieu of the “waived” $6.00 monthly card fee – per their Terms of Service. The reps and manager refused to let me do so. Instead, they increased my card to a limit of $2000.00 AND they gave me a $100.00 vochure to use in the store.

Shipping is not added to the card. Instead, you have to pay for that separately. I will be calling back to cancel the Auto and Legal Services. If they do not want to, then I will be canceling my account all together.

As long as their service reports to the credit bureaus, or at least Transunion, I am fine with their business model and trying to make some extra money. What I AM against, is that they do not honor their own terms of service. If I want to cancel my “Benefits” then that is what I am allowd to do.

Well they just got me real good. Was actually shopping and had some things selected. Suddenly I got a message saying that my adapter modem cable/what the hell ever was broke. At the same time my pc froze up and I couldn’t get back to my shopping cart or anything. after doing a complete security/virus scan…The dam website had left my computer a few gifts…Spyware, multiple and 23 infected files. Thank God I have the best protection and am now rid of them. BUT There is one thing they don’t know. And that is that I have a close friend who shuts stupid shit like Gold Horizon down!! All the way guys. So it wont be long til you see the name gone and the pages will say nothing but THIS SITE WAS FOUND TO BE INFECTED AND COULD CRASH YOUR SYSTEM!! AND IT WILL GIVE YOU INFO PHONE # FOR A LAWSUIT THATS GOING TO MAKE THEM REFUND ALL THE PEOPLE THAT THEY MISLEAD. iN ADDITION THEY WILL BE cHARGED THEMSELVES AND POSSIBLY PROSICUTED!! THEY DIDNT REALIZE…NOT ALL SCAMMERS SLIP BY WITHOUT SOMEONE INVESTIGATING THEM AND JUST HOW THEY DO THINGS.

Thank you all for saving me from making a huge mistake!

I have not recieve any card yet but please cancel my applicat I dont want of this anymore

I got the card, I leave it closed and pay the $4.95 a month it reported to my credit the day I got it and reports every month so I think its actually pretty great my score has improved in all three reports so thanks to horizon!!!!

I’ve been with them for over a year now and don’t use card but they still report to credit bureau that im very good in paying…..if it works for me it will work for you so please dont talk bad about them cause it’s a fact that they do work.

I did not ask for this card so I would like to cancel it and get all of my money back asap please I do not know who ask for lit but I did not so please cancel it asap and give me all of my money thank you

First of all, who are you talking to? This is not the Horizon customer service. Second, this site is run by Capital One obviously-wait Tom, maybe you’ll see Samuel J. Jackson running around with his pimp outfit on – red pants and blue velvet jacket.

Polar Bear 6969

SON OF A GUN!!! THIS STUPID CARD IS A SCAM!! I BELIEVE PEOPLE SHOULD GET TOGETHER WHO SHARE A COMMON LIST OF PROBLEMS WITH HORIZON AND GET A INVESTIGATION GOING TO SEE IF THE POSSIBILITY EXISTS TO GET THEM TO GET IT TOGETHER!! THERE IS GOVERNMENT AGENCIES THAT WOULD LOVE TO HEAR ABOUT COMPANIES LIKE THIS WHO PREY ON PEOPLE FOR COMPANY GAIN AND CUSTOMER MISERY. I SUGGEST CONTACTING THE SENATE IN YOUR STATE AND/OR A LAW PROFESSIONAL TO GET THE BALL ROLLING!!THE MORE PEOPLE THAT COMPLAIN THE MORE LIKELY THE GOVERNMENT AGENCIES WILL HAVE TO ACT!! ONE SCAM AT A TIME!!! LETS START WITH HORIZON. TKS

They charged my account 29.95 and I called and raised hell and they refunded me the money and still sent me the card with an extra $60 on it!

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Are U serious??????

Marvin – totally out of it.

Pay the 29 bucks. Don’t use the card. And if its not showing on your credit write to the bureaus. If you have shitty credit your gonna have to pay either way. I have 2premier ccards and have had them for years for the both of them I pay almost 200 bucks in annual fees plus interest. And they have caps on your credit limit along with charging you a late of 25 bucks if you are 1 day late and if you use there customer service to pay the same day you pay over 12 bucks. If you want to build your credit open a card but don’t use it. You take control you dont have to be rude or nasty. Just simply tell them the problem or threaten to cancel and companies will pretty much bend over backwards for you. Its not hard its common sense.

I just applied fir the card and got approved but i can’t access the catalog

Me to they told me use regular computer with girewall connection nothing is good up there at all.

hi can anybody can answear me … i never activate the account or the horizon card do i need to cancel it even i never activate it..thanks

Its already done wen they send it to you…

Someone illegally opened a account in my name with this bogus company. They need to be shut down. Thank god for life lock.

This was a very misleading application. I applied and when I relized that is was a shopping card that is not what I needed at all. Called to cancel card and after talking to a manager she went into a long speach of how this card would help me. Raised my limit to 1500. I said I would check out the merchandise. Well I looked at it today and everything is way over priced and they really did not have anything I needed or wanted to buy. So I will be calling first thing in the morning to cancel the card and get my deposit back.Let you know how it turns out.Thank You

You will usually Recieve ur card.. I did and it cost me the application fee to get it. Very misleading it is but I called to make sure anything monthly wasn’t taken out? I wasn’t charged a automated monthly fee. But I still canceled the card anyway cause I don’t have credit problems that bad to where this card gonna do me any good. But they do act like it’s a card you can use anywhere so def a waste of time for sure..

Thank you i thought i was the only one thought they didn’t have nothing plus over priced they got me to i thought it was a money card first..

OMG so they taking my money I won’t ever receive
The card.

Its a freakin scam. First they charged my member ship fee then I placed a order that I never recieved, and they told me I’m still responsible for payment of the order I never received, told them to cancel my member ship and 4 months later they are still charging me 24.95 membership fee when I told them to cancel my member ship

I don’t reccomend opening an account with them at all. I checked my credit report and I never once received a card or filled an application out and I called them immediately and the woman I’m customer service was mad because I insisted to close the account it’s a scam folks. Don’t open an account here I suggest you get a real credit card elsewhere. I have great credit I don’t need cards such as this one.

@Veronica, if you have great credit, why would you even look at these folks, let alone get their services?

I agree be carefully selecting take my advise go to fingerhut they will give u credit for merchandise and credit cards go to credit one you get credit $300 limit on a visa not secure and built on credit

There are a couple good and a few not so good about Horizon.
I received mine 3 months ago. You can have the monthly fee lowered to $4.95 all you do is opt out of the roadside 24 hr assistance etc. The monthly fee comes with quite a few benefits such as that. My credit limit i had increased to $1000. I have not used the card not once, i just have paid the $4.95 monthly membership & my credit has gone up 46 points in 3 months. If you wanted to use the card for the Horizon online store,,well,,there are about 20 items in the entire store :(. BUT, say you could use one of the items, buy it on your horizon card & IMMEDIATELY pay it off. Like i said, i plan to use it for the first time. The line of credit with Horizon DOES CREDIT REPORT. It has been on my credit in a positive+ light since i got it, with all lines of credit card, your credit report shows your “UTILIZATION” of the card as well as timely pay off. I say if you can afford $4.95 a month & pay a few bucks extra for a product say, hand towels or bed linens, Id say Horizon will help you raise your score even without using it & with small, every now & then usage w/ immediate payoff ($0 balance), over each buy & payoff-will credit report usage + good faith=better credit score in short time period. IN MY EXPERIENCE :) I called customer service when i 1st got the card & again to pay my monthly 5 bucks, they have always been helpful & humble.

Hi brittney, what’s the other benefits that I can opt out to get the same monthly fee as you?

I had a bad experience with Horizon card. First, they failed to report any activity to the credit bureau. Second, wnen I attempted to place a merchandise order on their website…they would say “the item is out-of-stock…Third, they charge a monthly fee for no reason…Fourth,when I called to cancel they give me the run around….one lady said shee would raise the credit limit to $1500….WHAT-EVER..THEY DONT REPORT TO THE CREDIT BUREAU…RIPOFF with a capital “R”.

Thank you for your comments on Horizon card. I was going to cancel my membership, but they did lower my payments each month to $4.95 per month. I do need to get my credit score raised. I just recently moved so I do need things like towels and bed linens. I will take your advice and when purchasing items I will pay them off immediatly. Thanks for your help

thank you i too applied for a horizon card. the thing is i don’t remember filling the application. now i can’t get them to cancel it and refund the money they already took.

Horizon gold is a ONLINE STORE Credit card! For people with BAD CREDIT – yes, get charged the first 29.95$ and DON’T USE IT. Simply keep it open and it will keep a 0$ balance on your credit report which looks good. I don’t suggest you use it esp. If you have bad credit… you have bad credit for a reason.

I did the same thing and my credit has gone up 53 points

HENRYK MECHLINSKI OSSOWSKI

HORYZONT GOLD SENDING ME A DAY MESS.AND ASKING ME TO FINISH MY PAPER WORK AND DEBIT CARD INFORMATION.I,M GLAD I FIND YOU MY FRIENDS,YOU SAVE ME OF GETING WORST CREDIT AND PROBLEM WITH MY BANK.THANK YOU GOOD PEOPLE FOR ALL HELP AND I LOVE YOU,VERY TRULY HENRYK,I,M POLISH AND YOU AMERICAN SAVE POLAK ASS THANKS A LOT,SEE YA…

HENRYK MECHLINSKI OSSOWSKI

IF EVERY PLACE IS SCUM SO WHAT I SHOULD DO? I GOT NO CREDIT AND MY SCORE IS 495. THAT REALLY BAD ALL DOORS ARE CLOSED FOR ME. I GUESS I’M SCREWED TO THE DAY I DIE. I HATE BEING POOR. NO LIFE NO FUTURE,IT SUCKS HA.HA.THANKS FOR SAVING ME FROM HORIZONT GOLD,GREETINGS HENRYK…

If you can file for bankruptcy, it is a last resort but I did it and within 2 months of the final discharge I was able to get a real Capital One credit card

I got a capital one credit card 2 months after my bankruptcy was over. its a last resort but it sounds like you are at where I was

veronica brathwaite

I had put in an application for a credit card from horizon gold they did go to my account for the money but there was insurficient funds so they then told me I can submit a date as to when they can withdraw the funds so I did enter a date wil the money be still withdrawn on that day ?

Big ripoff. I ordered the card and then recieved on my mobile bank app I was charged 29.95$I immediately cancelled 3 days ago and I’m still waiting to get my money back.You can’t even check the site out unless you have the card. When you call they try to raise your limit up to 1,500 so you don’t cancel. I told them I read the fine print where it says they dont promise it will raise your credit or fix after the operator said it would. I said this and was redirected three times. Run…

Thank.god i.read.was about to get that cars after lookin into tgem more huge scam and major ripoff noone get this card !!!!!!!!!!!!!!!!!!!!!!!!!!

This is a nightmare!!! you would be better off getting a fingerhut account. Leave these rippoffs alone or you gonna wish you did!!

Horizon gold card is a major scam. They charge you 29.95 and when you cancel they say there going to refund the money but instead they charge you another 29.95 and tell you it was refunded and they keep charging you.

Thank goodness I read this because I Google to get to the outlet site . But something told me to click on this site. So I read it and it’s giving me enough info to cancel my account before I purchase anything from their website. Seriously Thank You!

I got my card but haven’t activated it. Do I still need to cancel it?

Go to your bank and get a secured card. After a year you’ll get an unsecured card. I did and I also got 2 other UNsecured credit card offers. Just make sure you ALWAYS read the details. And if u get any make sure u pay it off. In the year since my unsecured card acquisitions by paying my bills my scores have risen 30 points.

Any credit card that knows you have bad credit and would rather give you more then just let u cancel
JUST SAYING!!! Hmm.

Glad i read this…just canceled mine, and they were rude refund me my money…dont fall for this…

This is a huge whooping rip off. Get it cancelled as quickly as yo can.

I would recommend getting a secured credit card from a regular bank, preferably the one you have a checking account.