Horizon Gold Merchandise Credit Card

Having a low credit score is a bottomless pit. It can be really difficult to get out of and get your score back on track. There are a lot of cards designed to do this, but in reality, only a handful of card issuers really accept applications from people that have a credit score of 300 or lower.

Horizon Gold Shopping Credit Card from Horizon card services is one of those cards that everyone can get. There is no credit inquiry or employment inquiry for applicants, and the whole event isn't recorded in their credit history. However, there is no need to worry about this because literally anyone gets approved for this card.

The Horizon Gold card has almost no requirements, and the whole process of getting the card is quick and simple.

Who is this card for?

As mentioned before, this card is designed for those that have a really bad credit score or don't have any credit history. The application requirements are pretty basic. They don't resemble a credit card application at all because this is fundamentally a store card that can be used on the Horizon Outlet site.

Anyone can get this card without any consequences whatsoever. If you are a frequent buyer at the Horizon Outlet, and you don't have good credit, you can use your shopping habits to slowly improve your score.

Horizon Gold Shopping Credit Card Benefits

Horizon Gold is an unsecured card meaning that it doesn't require any deposit payments. The card also doesn't have any interest on purchases, so you don't have to worry about it. It has a $750 fixed limit, which is a solid amount for starters.

Additionally, the credit limit can be increased after 3 months if the cardholder showcases responsibility and makes all the payments on time. The card also comes with several perks like:

• Legal Assistance: gives cardholders the right to a free consultation with a local legal professional. To use this perk, cardholders need to contact the customer support of Horizon Gold.
• Roadside Protection: this perk gives account owners 3 free towing requests or service calls annually. However, cardholders are limited to 1 call per month.
• Prescription discount: cardholders that have prescriptions for medications get a 40% discount on those products.
• Privacy protection perk: this benefit gives all the users a free credit report check every year. They can use any of the three largest bureaus for their report through AnnualCreditReport.com.

Disadvantages of Horizon Gold Credit Card

Horizon Gold Credit Card also has its downsides. After all, you can't expect to get a credit rebuilding card for free, especially when everyone can get approved for it. With Horizon Gold, the downside comes in the form of high annual fees that can go up to $300.

However, these fees are split and billed on a monthly basis to make it easier on cardholders. But if the fee is too high for users, they can ask to get a downgrade to a basic account. With it, the monthly fee is $6.95, but you lose some of the perks. The card also has a $5 activation fee, which is charged instantly.

Should I use this card?

If you are a loyal shopper at the Horizon Outlet store and you have bad credit, then this card is ideal for you. You can use it to shop for your favorite products online, get discounts, perks, and build your credit score. In case you don't want a card that requires you to put down a deposit, the Horizon Gold is the one you're looking for.

At the same time, if you are looking for a card that doesn't carry initial fees apart from the $5 activation fee, you should try out this one. If you are considering buying products from the Horizon Outlet, maybe this is the perfect opportunity to start using their card.

Horizon Gold card helps you with your credit by reporting to main credit bureaus every 30 days. This card is a shopping card NOT a Visa or a Mastercard card and can be used only for purchases from Horizon merchant.

Read the Review of Horizon Gold Card.