Despite the fact that Horizon Card Services is not a bank or credit company but an online merchandise shopping service, it offers credit lines to the consumers with poor credit history. The consumers can shop online using their Horizon credit account and build credit history at the same time.
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.
Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
Horizon Cards Services does not offer Visa or Mastercard credit cards. The company offers credit accounts for use at their online catalog. This catalog is not available to everyone but to those lucky consumers who have Horizon credit account.
Horizon cards are unsecured credit accounts that are reported to one credit bureau as unsecured credit cards. Consumers with bad credit history will be able to improve their credit history using the Horizon Gold card. For that they will need to use the card and manage their credit accounts responsibly.
Horizon Gold does not have interest rates. That means the balance on the card won't draw any interest. You will need to pay membership fee every month and make minimum monthly payments to maintain account in good standing.
The Horizon Card Services may review your account and increase your initial credit line if your credit performance is good enough. The Horizon cards are good for consumers with low credit score, which is not high enough to get a general credit card. You will be able to build credit and then apply for another credit card.
All information presented on this website is subject to change. We do our best to maintain it accurate and up to date. However, we recommend all our visitors to read the credit cards′ terms and conditions on the application page before submitting the application form. Note that this website may be compensated if visitors choose to utilize the links on this website.
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