lobbythis wrote:Unfortunately, OP mentioned they need it immediately because they are living off of credit...
This is a dark road OP.
Yeah just re-read OP's post and realized that. So probably can't go with secured card right now.
And yes, getting credit which you can't pay off while in heavy debt can put you into even worse debts, OP. Hope you won't get into that abyss.
Getting a card instantly in this situation can be really difficult. Those guaranteed approval unsecured cards are generally rip-offs.
CirclingSkies wrote:I just heard of the Horion gold card... is that a scam?
Horizon Gold, as OP mentioned (which I didn't notice), is something that should be avoided in any case - even worse than First Premier tiers. It's basically a line of credit which can only be used in their own portal selling overpriced stuff. It is not a Visa or MasterCard, not even Amex or Discover. It charges fees totaling ~$300 a year. When they sell an item there are shipping fees and others that need to be paid but cannot be paid by the Horizon account. Lastly, they don't necessarily report it to bureaus. Just reviewed information for this card yesterday.