Horizon Gold Card Services Credit Offer Review

Horizon Gold Review

HorizonCardServices.com Review

The first thing we need to tell you about in this Horizon Gold Card review is the Horizon Gold Card is not a traditional credit card, it is simply a line of credit that you can use to make purchases from their online shopping portal.

So if you’re looking for a traditional Visa, MasterCard, Discover Card or an Amex that you can use to make everyday purchases on such as groceries, gas station fill-ups, etc, this card is not for you. The Horizon Card Services offer is simply a shopping line of credit. Think of the Horizon Gold Card as being just like a department store credit card.

The main benefit of this card is for people with bad credit. The best feature of the Horizon Gold Card is it can be used as a tool to build or restore your credit rating because it reports to a major credit bureau.

4 / 5 stars     

Review of the Horizon Gold Card Pros and Cons

Horizon Gold Card Pros:

While there is no guarantee of restoring or building credit with the Horizon Gold Card, the fact is they will report your account activity to at least one of the three major credit bureaus every month.

This may seem obvious, however I am going to say it anyway, in order for any line of credit to help you build your credit score you will need to make all your minimum payments on time.

If you fail to make your payments on time and get NSF charges then the opposite is going to happen. Missing payments will have a negative impact upon your credit score.

Another advantage to this shopping credit card is you are part of a shopping club when you sign-up and from time to time you can get really great deals on merchandise within their members only shopping portal.

As a paid member you get some extra perks including:

My Privacy Protection: This service helps to protect you and your personal information online.

My Universal RX: The Horizon Card Services My Universal RX is a really good benefit if you frequently need prescription medications because the My Universal RX benefit you get with the Horizon Gold Card gives you up to 40% off the retail cost of your prescription medications.

My Roadside Protect: You also get the peace of mind of having the My Roadside benefit included with your Horizon card. The My Roadside Protect program includes towing, fuel delivery if you run out of gas, a lockout service if you accidentally lock your keys in your vehicle plus you also get flat tires changed.

My Legal Assistance: If you need legal services, you can get a 30 minute legal consultation. Hopefully you never need legal services but if you do the Horizon Gold Card is there to help you get the legal advice you might need.

Horizon Gold Card Cons:

The first downside to the Horizon Gold Card is the fact this is NOT a regular credit card. In the review, it’s already been stated this is basically the same as a department store credit card where you can only purchase merchandise within their members only shopping club.

Then on top of not being able to use this to make purchases like you would with a Visa or MasterCard there are some fees to become a shopping credit card member.

There is a one-time account validation fee, you’ll need to read the terms and conditions for the current fee however at the time of writing this Horizon Gold Card review, that one-time account validation fee is only $5. There is also a monthly membership fee of $24.95, again at the time of writing this Horizon Card Services review (Please check Horizon Card Services Terms for current fees)

Then if one of your payments fails there is an NSF charge of $25 and that brings up another con of applying for the Horizon Gold Card, your payments and membership fees are on auto-debit from your bank account

There you have it, our Horizon Gold Card Review, you should apply for this if you are looking for a line of unsecured credit that could help you restore your credit score and you’d like to have some added benefits like the roadside assistance plus love to shop online.

For people like you, with bad credit, this is a really good choice to increase your purchasing power while enjoying the benefits of membership and need to restore your credit rating.

If this sounds like you then apply for the Horizon Card Services offer online now!

4 / 5 stars     

4 / 5 stars     

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