A Horizon Gold unsecured credit card is the most easy and simplest form of credit to get a approval with for someone that has a terrible credit score. The reason I say “simple and easy” is because the company “Horizon Gold” does not run a applicant’s credit or verify their employment. All applicants are guaranteed to get approved for a unsecured credit line of $500 at 0% interest. All payments are reported to a major credit bureau that will help with improving your credit history.
Member benefits of this credit card includes “Universal Rx” in which you will receive up to forty percent off of selected prescription medications at local participating pharmacies. Also included is “Roadside Protection” in which you will get up to three free vehicle tows within a 15 mile radius and service calls for fuel, flat tire change, and lock out service. Another cardholder benefit is “Legal Assistance” that entitles a member to one free consultation with a local legal professional for up to 30 minutes.
However, before you get to excited about this offer, there are some catches in the fine print. First, this credit card is only good for purchases made at their on-line store. There is a $5.00 one time account validation and card issuance charge. There is also a $24.95 monthly benefits plan membership fee if the consumer wishes to receive the member benefits I listed above. If you choose not to enroll in the benefits plan, you will be required to pay a $6.00 monthly card maintenance fee. Processing fees and shipping charges are also required to be paid upfront by the customer before any items are shipped. There is also a $2.50 charge for shipment signature verification. Once paid, these fees will be non-refundable.
To learn more and/or to apply for this card, please visit Horizon Gold Card.
When shopping around for a credit card, it’s important to compare interest rates, fees, finance charges, along with card benefits as they can vary significantly. Some credit cards may seem like a awesome deal until you read the disclosures and fine print.
When trying to located the best credit card that is right for your situation, it is important to look at the Annual Percentage Interest Rate (APR), the Grace Period (number of days a card holder has to pay their bill in full without finance charges), Annual Fees (some credit card issuers charge annual participation and/or membership fees), Transaction Fees (fees charged for cash advances, exceeding your credit limit, or making a late payment), and Customer Service (look for a 24-hour telephone number that is toll-free in case you have a problem using your card or if it is lost or stolen).
Did You Know? If your credit card is lost or stolen and is used without your permission, you can be responsible for up to $50 per card unless you report the loss of your card before it is used. Always report a loss card as soon as possible to minimize the liability. Many credit card issuers have a 24-hour toll-free phone number available to report this type of emergency information.