I had a 450 credit score and I only had gotten this to gain credit, I started off with a 500 limit and now I have a 2000$ credit limit and I only spent 200$ from it, as long as you pay each month your account will be in 100% good standings I mean for 25.00$ a month I have a 2000$ limit and my Equifax score went from a 450 to a 669!!! In one month
They are upfront about the charges but it's not a real credit card and can only be used at their overpriced outlet store where they charge full retail for what should be heavily discounted goods. If you don't mind paying over the odds for the merchandise plus their $25/month fee then it's OK. They do report to the major credit agencies so if you are OK with their fees you will see an increase in your credit score over time, however for those who say they plan to cancel after a year this will have a negative impact on your credit score as it will reduce your overall credit thus giving you a negative mark from the credit agencies. Personally I would not recommend this card as the fees are high and you are locked into their outlet, but if you haven't got enough cash to open a secured card account and can afford the $25/month fee it will help you in raising/rebuilding your credit score. Just bear in mind that cancelling once you have your credit where you want it will cause your score to drop somewhat..
Horizon Card Services offer many perks along with their monthly memberships. Think of their card being more like having a membership to BJ's Wholesale Clubs, Sam's Club's or even Costco's.
I started to sign up for the card yesterday and entered in my contact info, decided to do a little more research before I provided my deposit and SS and I've been receiving spam emails and texts every since! Very Obsessively! The emails haven't been being caught by my spam folder so within the last 18 hours I've had nearly 20 emails stating that I may have unclaimed money, beneficiary claims etc. please stay away from this company!
Only use in there store. Hidden fees up to 29.95. Hard to cancel.
I applied for this card and got approved and it's been charging my account to have this card every month but I have never recieved this card threw the mail
This card is only able to be used at their online outlet store and there is a monthly fee. Both of which I wasn't aware of when I applied. The cancellation process was frustrating as I'd expect any credit card cancelation to be. I was transferred three times and each time they lectured me on how many benifits I'll be losing although I have those benefits from elsewhere already and told them that multiple times. If you want to get your monthly fee down and extend your credit limit just call to cancel and they'll bribe you.
I had a 450 credit score and I only had gotten this to gain credit, I started off with a 500 limit and now I have a 2000$ credit limit and I only spent 200$ from it, as long as you pay each month your account will be in 100% good standings I mean for 25.00$ a month I have a 2000$ limit and my Equifax score went from a 450 to a 669!!! In one month
only used at Horzion Outlet, can't use it anywhere else
This card is a good card when you are trying to build credit after two months my score jump 116pt.. I only pay $6.95 member fee dont plan on shop online with it. U can call the online shopping a scam but other then that I love it. I asked for a cl $2000.00 n they gave it to me with no problem at all i plan on keeping the card for a year or two. Please read the small print before u call this call a scam cause alot of people can use horizon to better their ck score.
my score is 580 how long do i has to wait to get better score whit tjos card? i had the card for 2 months but i dont use this card i only make the membreship payments
They only charge a month because they are taking a risk with your bad credit, a huge risk! Keep it a year or 6 months, close it, enjoy your 80+point permanent increase ! Don't go applying for credit collecting all those inquireies as well ! Make your moves slow and wise, then politely ask the creditor to remove the inquiry for good faith in applying for thier product and to help your credit score.Most lenders will do this, some will not.
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