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Offered by: Horizon Card Services

Horizon Gold Credit Line

  • $500 Merchandise Limit*
  • Guaranteed Approval
  • No Credit Checks
  • Fast Online Application
  • No Employment Check
  • Reports to Major Bureau
  • Always 0.0% APR

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
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Additional Details

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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.

Offer Details:

Cash Advance Rate

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Annual Fee

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Late Fee

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Cash Advance Fee

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Balance Transfer Fee

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Note: Sample data consists of Credit Karma members who hold this card.

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99 Cardholder 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 Recent Reviews

using card

I just applied for this horizon gold credit line, do i have to wait 2 weeks to get my card so i can use it or is there a temporary number i can use

lunatic0828's response was:    

 
Jan 08, 2015

lunatic0828(2, 0)

This really SUCKS!!! Helpful to 1 out of 1 people

I applied for the card last week, got approved but haven't recieved it yet and  they are charging me 29.95 again. This is NOT RIGHT and as soon as they open up  in the morning I will be cancelling the card.

Dec 25, 2014
Get it to boost Credit Score Helpful to 2 out of 4 people

Yes you have to pay a monthly fee, Yes they only report to transuion but Its worth it. I appiled in August and they did not report to transunion until Nov. When they did, my score jumped 25pts ! I have a 500.00 limit and will request a 1000.00 limit soon. I use it for the road side assistance as well. ..over all a good choice if you need a fresh start. 

leshaboyz4's response was:    

 
Dec 08, 2014

leshaboyz4(2, 3)

A TOTAL SCAM Helpful to 2 out of 2 people

I opened and went to use it and found out that there are hidden fees that you have to pay for off your debit card at the time you check out of your order IT IS A TOTAL SCAM

Dec 03, 2014
oh boy Helpful to 2 out of 2 people

Read through everything, and never intended on using it to begin with. Just to increase my rating by having a LOC somewhere to rebuild. The store is crappy so there was definitely no enticing there. In their "terms" it states they report to a credit bureau. I had the card for 6 months and not a single report was given to my credit report in regards to ownership of the card. I pulled my transunion, equifax and experian and the card was lost in the wind. Called to be refunded my 29.99 a month payment as they failed to report to the credit bureaus, and then was offered a $1000 LOC. I politely declined and stated they failed on their end to uphold their terms and to cancel the card in its entirety. Fast forward 1.5 hours, increased LOC's and credits, I finally had my card cancelled and my monthly payments credited. I honestly wouldn't recommend them for any reason as they never reported. Offering and increased LOC does not fix their failure as a company, so newbies beware.

Nov 29, 2014

See all 99 Reviews of Horizon Gold Credit Line

† These Approval Odds represent Credit Karma’s estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ 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 2014 through January 2015. 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.