I went to fill out a Horizon credit card application because I saw reviews that said it was a $500 unsecured card that could be gotten with bad credit with guaranteed approval. After I begin the application I find out this is NOT a normal credit card like a I thought it was. This Horizon credit card is for shopping at some online store and that is the only place it can be used for spending, nowhere else! I thought this was a Visa or major card not a crap store card. It has a $29.95 application fee! I want to rebuild my credit but will this help me AT ALL?