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Horizon Gold Shopping Credit Card
November 09, 2019
The Horizon Gold Credit Card is a line of credit charge card that offers cardholders the opportunity to make merchandise purchases that they may not be able to make otherwise. In lieu of the APR, there are specific fees that are not as high as competing cards and there are a number of courtesy programs that make the card more than pay for itself.
ANNUAL FEE:
$0*
ONGOING APR:
0%*
INTRO APR:
N/A
The Horizon Gold Card is a unique line of credit that gives cardholders the opportunity to buy merchandise out of the Horizon online store. This allows Horizon Card Service cardholders to obtain merchandise that they may not be able to obtain otherwise and without an APR. There is a monthly fee and a one-time account setup fee that is charged. This fee is auto-debited from a debit or credit card that is on file with the company rather than from the account balance.
There are few fees with the card, but there may be charges associated with purchases and there are shipping and handling fees depending on the item and where it needs to be shipped to. Other fees include an NSF fee, which isn't charged until after the second NSF. When default happens on the account, it is downgraded to basic benefits, which are received at a reduced cost and the credit line cannot be used until the account is brought current.
There is also fraud protection, as the card is to only be used by the card member. If there is suspected fraud on the account, then the company will prosecute in order to recover the damages. There is also a customer advocacy service that works with customers if they feel they have been mistreated by the company in some way. This is one element of the customer service department that is unique.
Lastly, customers can choose to be billed electronically or to receive paper bills, based on how the customer wishes to manage their account.
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.6353.5(635)
App Fee
See Terms*
Credit Reporting
Yes*
Credit Needed
Accepts All*
Card Details
- Instant $500 Credit Line*
- No Credit Check
- Fast Online Application
- Bad Credit - OK
- Issued by Horizon Card Services
- *See Terms & Conditions for Details
Editor's take
The Horizon Gold Card is a unique line of credit that gives cardholders the opportunity to buy merchandise out of the Horizon online store. This allows Horizon Card Service cardholders to obtain merchandise that they may not be able to obtain otherwise and without an APR. There is a monthly fee and a one-time account setup fee that is charged. This fee is auto-debited from a debit or credit card that is on file with the company rather than from the account balance. There are few fees with the card, but there may be charges associated with purchases and there are shipping and handling fees depending on the item and where it needs to be shipped to. Other fees include an NSF fee, which isn't charged until after the second NSF. When default happens on the account, it is downgraded to basic benefits, which are received at a reduced cost and the credit line cannot be used until the account is brought current. There is also fraud protection, as the card is to only be used by the card member. If there is suspected fraud on the account, then the company will prosecute in order to recover the damages. There is also a customer advocacy service that works with customers if they feel they have been mistreated by the company in some way. This is one element of the customer service department that is unique. Lastly, customers can choose to be billed electronically or to receive paper bills, based on how the customer wishes to manage their account. 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.
Advantages
- Reports to Credit Bureaus
- Unsecured credit
- Instant approval
Disadvantages
- Limited use
Basic Info
Card Issuer:
Other Issuers
Card Network:
Other Networks
Card Category:
Consumer (Stored Value)
Common Uses:
- Cards for Bad Credit
- Instant Decision Cards
- Shopping Cards
Rewards Card:
No
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Finance & Rates
Introductory APR (%):
N/A
Applied Towards:
N/A
Intro Period:
N/A
Regular APR:
0%*
Regular APR Type:
N/A
Annual Fee:
$0*
Balance Transfer:
No*
APR on Cash Advances:
N/A
Grace Period:
N/A
Late Payment Fee:
$20*
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Compare Similar Card Offers
Card
Horizon Gold Shopping Credit Card
Annual Fee
$0*
Regular APR
0%*
Intro APR
N/A
Rec. Credit Score
Accepts All*
Comments
*See terms and conditions
IMPORTANT
The information provided for Horizon Gold Shopping Credit Card is believed to be accurate at the time of evaluation or recent update on November 09, 2019. However, we strongly advise visitors to review the Terms and Conditions on card issuer website by following APPLY NOW link to verify the accurancy of the information posted prior to actually applying for this card offer.
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