Horizon Gold Card Review
The Horizon Gold Card is a basic unsecured credit card offer available for use exclusively with;Horizon Outlet. This outlet is an online marketplace with a variety of products for purchase. Approval does not require a credit check or an employment check. This means its a great option for someone struggling to get a traditional credit card offer due to bad credit or poor financial habits.
The spending limit for this card is $750. However, the card only works at the Horizon Outlet. This means it is a store card and not a traditional credit card. This difference means you cant utilize your Horizon Gold Card at an ATM.
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What Is The Fingerhut Card
The first introduction many people have with the Fingerhut Credit Card is through a pre-approved offer. Approximately 90% of Fingerhut pre-approval applicants end up receiving the card. This makes the Fingerhut an excellent fresh start card. But how does the Fingerhut card account compare to the Merit Platinum Card or the Group One Platinum?
The Fingerhut Card issued by WebBank offers a credit line towards online purchases. The Fingerhut online shopping store offers products from hundreds of leading brands. Examples of Fingerhut brands include Teleflora, Panasonic, and more. Unlike both Merit and Group One, however, the initial credit limit with the Fingerhut card is just $250. Both Horizon Outlet credit cards grant double that initial limit. Still, a Fingerhut credit account
The Fingerhut Credit Card also differs from the Merit Platinum and Group One Platinum in that it sometimes provides credit limit increases. While this might seem like a plus, the first few credit increases will only reach the same limit Horizon gives you right off the bat.
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Caresyntax Announces New Chief Strategy Officer Rhonda Wallen
Rhonda Wallen is Boston-based Caresyntax GmbHs new chief strategy officer and executive vice president of technology and evidence solutions. Caresyntax markets a digital surgery platform, utilizing both proprietary software and artificial intelligence to gather real-time operating room data and analysis for surgical teams and support staff.
Wallen, who brings over 25 years of industry experience to the role, will oversee medical devices and new business development. Most recently she served as senior vice president of Marketing and Development at Applied UVs SteriLumen division. Wallen had also been head of corporate development for the blood and cellular technologies division of $5 billion global medical device company Terumo Corporation. She also served as chief operating officer of oncology therapeutics company Andarix and served as president and CEO of biotech company Caveo Therapeutics.
Caresyntax CEO and Co-Founder Dennis Kogan told OTW, Rhonda brings deep leadership and expertise from her roles at both large multinational and emerging growth life science companies, as well as venture capital investing. Her diverse experience, including in biotech, diagnostics, and medtech, means she understands and will help to build solutions based on clinical and operational data and evidence as Caresyntax expands its partnerships with medical device companies to help meet the ever increasing demand for data-driven, real-world insights into surgery.
Horizon Gold Credit Card Bill Pay
Users can pay their Horizon Gold card bill with simple Bill Pay functionality. Users can set up recurring payments for their bill, with reminder alerts to notify them when payments are due.
The Horizon Gold Mobile app also is an easy way to make payments, check your account balance, view transactions, and more.
For additional help making payments or with any questions, you can contact Horizon Gold customer service phone number at 1 251-6144.
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What Is A Horizon Gold Credit Card
The Horizon Gold Card is a $500 Unsecured Credit Line that canbe used to purchase products from thehorizonoutlet.com. The HorizonGold Card is NOT a Visa or MasterCard and does not hold a cashvalue. Other benefits of the Horizon Gold Card include monthlyreports to Trans Union, Road Side Assistance, Pre-paid legalnetwork, Equifax® Credit Watch Gold, and the Universal PrescriptionPlan. The Horizon Gold Card has had negative feedback from usersthat applied for the Horizon Gold Card thinking they were getting aVisa or MasterCard. As a result the Terms and Conditions of TheHorizon Gold Card was placed at the top of their website for all tosee and read.
Fingerhut Vs Merit Platinum Card: Which Is Best For Bad Credit
HomeFingerhut vs. Merit Platinum Card: Which Is Best for Bad Credit?
The Merit Platinum Card and the Group One Platinum Card are two of the most popular unsecured credit cards for bad credit. These cards are known as catalog cards, designed for use with online catalog outlets. Another popular option is the Fingerhut Card, which offers similar benefits for building credit. But which card is right for you? Fingerhut Card vs. Merit Platinum and Group One Platinum: Which should you apply for to build your credit?
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The Horizon Gold Outlet
The Horizon Gold Outlet is an online store that provides users with a catalog of retail items that can be purchased with credit. The Horizon Gold Outlet is available only to users of the Horizon Gold card.
The Horizon Gold Outlet catalog offers deals on a variety of items, including:
- Men and womens clothing
To view all of the offerings that the Horizon Gold Outlet offers, visit ,
Final Thoughts And Wrap Up
The Horizon Gold Card is not a credit card, it is just a costly membership program to an outlet website that you cant even view until you sign up. The card can only be used at the Horizon Outlet program and automatically charges your debit card $24.95 per month! While this card technically isnt a scam, it does take advantage of people with poor credit. We highly recommend that you avoid the Horizon Gold Card at all costs.
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Horizon Gold Credit Card Fees
Horizon Gold Credit Card charges a $24.95 membership fee that is deducted automatically from your bank account each month. If you cant make this payment for whatever reason, you will be demoted to the basic starter benefits plan, which charges a $6.95 membership fee and a $6 maintenance fee each month. The benefits with the basic membership are essentially the same; you just dont get roadside assistance.
Other fees include a $2.00 delivery fee each time you order from the catalog and a $2.50 signature verification fee once the merchandise arrives at your door. There is also a $15 card validation fee, a $20 late payment fee and a $25 NSF check fee.
How Does The Horizon Gold Card Work
The Horizon Gold Credit Card is a private starter store card that can be useful in building credit. Whether youre looking to rebuild your credit score or new to credit, when applying for the Horizon Gold card you wont need to worry about your credit score. Horizon Gold doesnt check your credit or conduct a hard credit pull. Instead, youll receive a $500 credit limit and access to the Horizon Gold Outlet, an online marketplace where you can purchase a variety of discounted items.
The Horizon Gold membership costs $24.95/month.
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Best For Easy Credit Line Approval
- Rewards rate: N/A
- Annual fee: $24.95 benefits plan membership will be auto-debited monthly
- Purchase intro APR:;N/A
- Balance transfer APR:;N/A
- Regular APR:;N/A
The Horizon Gold Card is a store card offered by the Horizon Outlet. It comes with an easy application process for a $500 credit line, but it can only be used to make purchases at the Horizon Outlet. In many respects, this isnt a typical credit cardtheres no on purchases, no bonus or welcome offers and no rewards program.
That said, the Horizon Gold Card can be used for purchases, may help build your credit and offers benefits such as roadside assistance and prescription medicine discounts. The catch? Every new Horizon credit card comes with mandatory enrollment in the companys membership benefits plan, which costs $24.95 per month and is required for the card to remain active.
Horizon Gold Card Benefits
While its not a traditional credit card, Horizon Gold reports directly to the credit bureaus each month. This reporting is critical for those who are establishing or building their credit.
The online application is quick and easy since there is no credit check. Once you pay your monthly subscription of $24.95, you gain access to perks and benefits. These perks include My Privacy Protection, My Universal RX, My Roadside Protection, and My Legal Assistance. These enhanced benefits, when broken down, include:
- My Privacy Protection: Access to unlimited privacy protection when using your Horizon Gold card with the online portal from Horizon Outlet. In addition, you will receive expedited fraud resolution services with regard to unauthorized use of information.
- My Universal RX: Unlimited access to participating local pharmacies members receive up to 40% off on all covered prescription medications.
- My Roadside Protection: Cardholders will enjoy up to 3 service calls or towing requests per 12 months, up to 15 miles and not to exceed the operator cost of $50, for free. Additional mileage and associated towing costs are the responsibility of the cardholder.
- My Legal Assistance: Enjoy toll-free and Internet access to legal resources; your plan entitles you to one free 30-minute consultation with a legal professional in your area, specializing in an area of law of your interest. This does not cover criminal defense cases.
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Bonus Deal Or Bogus Deal
To begin with, when you try to apply for the Horizon Gold card youre immediately greeted with a bonus deal, announcing you qualify for an instant $1,000 payday loan in addition to the credit card. This predatory practice is merely trying to get even more money from individuals who have poor credit, for one reason or another.
The Horizon Gold Card gives you an immediate $500 unsecured credit limit with guaranteed approval pending the verification process. There is no credit check, although youre required to have an active debit card or credit card in your name.
You should immediately be suspicious when youre asked to provide your debit card information.
The Horizon Gold Card can be used exclusively at thehorizonoutlet.com, and there is no way to even view the website and what they sell WITHOUT signing up. Dont be fooled; the Horizon Gold Card is not a credit card.
As you enter the website you probably wont even notice the pre-acceptance disclosure, which is in a very small frame hidden at the top of the page. Youll find the following statements in the disclosure:
Horizon Card Services is not a credit services organization, banking institution or insurance company.
This product is not a Visa, Mastercard or debit card. Horizon Card Services Account is a line of credit that can be used exclusively at our online shopping website.
Horizon Card Services does not attempt or claim to attempt to repair a customers credit history.
The Company Has Also Joined Advamed The Leading Medtech Industry Association
Boston Caresyntax, the leading enterprise-level digital surgery platform delivering actionable insights to make surgery smarter and safer, announced today that it has hired Rhonda Wallen as Chief Strategy Officer and Executive Vice President of Technology & Evidence Solutions to lead Caresyntaxs business development with medical device companies and develop new lines of business for other growing customer segments. Doubling down on its efforts to best serve medtech companies, Caresyntax also announced that it has joined AdvaMed, the worlds largest trade organization representing medical technology companies.
Actionable insights from the operating room play an essential role in helping medical device companies optimize and improve their products, said Dennis Kogan, Caresyntax founder and CEO. With Rhonda driving our medtech efforts, Caresyntax is uniquely positioned to provide companies with the real-world evidence necessary to not only improve their products, but ultimately to deliver the best possible surgical outcomes and demonstrate value for health care providers and payors.
Everything we do at Caresyntax is about making surgery smarter and safer, Kogan said. Were proud to be part of an organization that supports our vision and shares our commitment.
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Keep Credit Utilization Low
Another factor to consider is credit utilization, you really want to keep this under 3% of total credit if you can but try to never get it over 15%.
For example, if you have 3 credit cards with $1,000 limits on each of them, your total credit is $3,000.
If you spend $500.00 the percentage of credit you are utilizing is around 16.6% and is above the recommend credit utilization, so be mindful of how much you spend.
What Is The Group One Platinum Card
The Group One Platinum is an unsecured retail card from the same issuer as the Horizon Gold, Horizon Card Services. The card offers the same benefits of the Horizon Gold but with a sleek, black design.
Like the Horizon Card, the Group One Card offers a $750 credit limit with instant access upon approval. It also requires no credit check and no employment check to apply. Whats more, the card works for purchases at the Horizon Outlet.
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Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Make On Time Payments
I am sure you are tired of seeing everyone saying on-time payments.
You Cant be declined with this product. There is no credit check and as long as you are over 18 you qualify.
But it is super important and is one of the largest factors in your credit score.
No matter what, avoid late payments.
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Taking Action On Your Credit
I know this Horizon Gold Credit Card Review is pretty harsh; however, I have to be honest about its viability as a tool to use for repairing your credit.
There are a ton of better options out there if you are trying to build your credit and as we stated above, Fingerhut is one of the best options available.
Still not convinced?
Or, start building your credit today with a Fingerhut Account!
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the authors alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.
Best Cards To Pair The Horizon Gold Card With
If youre looking for a card to pair with the Horizon Gold card, consider a secured credit card from a traditional lender. While the Horizon Gold card doesnt require a credit check,;it only reports to one credit bureau, which limits your credit-building prospects. Secured card offerings, meanwhile, typically report to all three bureaus and over time you can increase your available credit or even graduate to an unsecured card.
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What Is The Merit Platinum Card
The Merit Platinum Card is one of the easiest credit cards to get for those with bad credit scores. Like other catalog cards, the Merit Platinum offers an unsecured line of credit for use at its online store, the Horizon Outlet.
Successful applicants receive a $750 line of credit for the store, which offers an impressive selection of goods, including clothing, toys, and home items.
Horizon Card Services, the cards issuer, reports to the three major credit bureaus regularly, which can help users raise their credit score. And, since catalog cards are similar to charge cards, they dont impact a users credit utilization rate. These two factors make catalog cards, like the Horizon Gold, excellent for establishing a good credit history and boosting your credit score.
Horizon Gold Card Application
The application process for the Horizon Gold Card is an easy, user-friendly, process with approval often granted upon completion if you are eligible. Applicants will receive a $500 line of credit with 0% interest that can be used with the Horizon Gold Outlet.
You can find the application here: .
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Should You Apply For The Horizon Gold Card
Perhaps the biggest caveat with the Horizon Gold is that you can only use it at the Horizon Outlet. Other options, such as;secured cards;like the;OpenSky Visa Secured Credit Card,;can be used to make purchases anywhere. Most traditional credit cards and secured cards do not limit cardholders to one outlet or retailer. Also, the monthly fee is much higher than the annual fees that accompany many traditional credit cards.
All in all, the Horizon Gold Card is a good opportunity for anyone who wants to build their credit. Although it doesnt work like a typical credit card, the Horizon Gold card is not a scam its a real deal that will attract folks who love to shop at the Horizon Outlet. If youre looking for an exclusive marketplace to shop at often, its a great fit.
There are no credit checks, meaning you wont see a hard inquiry hit your credit report after you apply. Remember, even with secured cards, theres no guarantee of approval so if youre struggling with your credit, the Horizon Gold Card may be a good first step in the right direction.