Horizon Gold Credit Line

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  • $500 Merchandise Limit*
  • Guaranteed Approval
  • No Credit Checks
  • Fast Online Application
  • No Employment Check
  • Reports to Major Bureau
  • Always 0.0% APR
Annual Fee:
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Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate See Terms*
Cash Advance Fee See Terms*
Late Fee See Terms*
Penalty APR See Terms*
Balance Transfer Fee See Terms*
Foreign Transaction Fee See Terms*
Return Payment Fee See Terms*

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
Get the card, but DO NOT USE IT!!!!!!
by Anonymous
Helpful to 264 out of 288

 First off, this is NOT a Visa, Mastercard, Discover, or American Express card.  This card can only be used on the company's proprietary website, and you can find most of the products elsewhere for less.  That being said, it does report to Transunion, and does help improve your credit score, just by having an open and active tradeline.  It costs $24.95 per month for your "member benefits", and the initial $5.00 fee(plus the first $24.95) to set up the account.  Compare that to the credit cards that charge you $225 to "set up" your account, then the monthly fees, then th 30% interest rate.  I would recommend getting this card to build your credit by having the tradeline reported, but I would not recommend USING it...  Say you see an item for $18, there is a "shipping fee" of $12, and a processing fee of $4, both of which you have to pay up front, then the $18 for the item is financed through your credit line...  You can get the same item on...  let's say Amazon(the site I checked) for $14.98 including shipping!  Never bought anything with it and never will, but it looks freaking FANTASTIC on my credit report- 29 months, never late, and a $3000 limit(they raised it after 6 months).  Oh, and a tip:  Horizon only reports to Transunion, so after a few months write to Experian and Equifax requesting they add the card to your reports with them, as well.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Anonymous
Don't even start!!!
by Anonymous
Helpful to 32 out of 32

I think a good indication of the professionalism of the company is how they use your email address. Their sign-up has a two step process and the first page includes email address. I filled out this and the other info needed and step two is where they ask for debit card info. At this point I found this site and decided to not do it (thankfully!) In the hour since I got off the their site, I found my email address was sold/given to at least 4 different solicitors trying to get me to take a $1000 loan. I had to opt out of each one seperately. This is totally unacceptable


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† We look at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there’s no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from August 2015 through January 2016. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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