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Horizoncardservices.com Website Review & Ratings + Horizon Media Group Coupons

Horizon Media Group is a Horizon Gold Card unsecured credit card with a $500 line of credit for you to use at their internet store. This type of unsecured card is designed to help people rebuild their credit rating and FICO scores and is known as a shopper’s card with the following qualifications.  

You are automatically approved for this initial $500 credit line.

  • There is no credit check done
  • No verification of employment
  • Only the verifying of your name, address and age
  • You must have a valid US savings, checking, debit or credit card before you can be accepted.

 The Horizon Media Group Horizon Gold Card includes the following benefits:

  • Privacy Protection that says you can view your credit information through this service
  • Roadside Protection: You can get up to three service calls up to 15 miles; these service calls include delivery of gas and flat tire service.
  • Legal Assistance entitles you to one free 30-minute phone consultation with a lawyer in your area, this is for civil and not for criminal cases.
  • Universal RX gives you 40% off of covered prescription medications from participating pharmacies.
  • The Horizon Media Group Horizon Gold Card has a 0% APR and reports to only one of the three credit reporting agency.
Horizon Media Group: What makes it different?

This is a very important difference. The Horizon Media Group Horizon Gold Card is different from a regular credit card since you can not use it at any location like you could a normal credit card. You can only use it at their online Horizon Outlet store. They claim to have brand name items at their online store, but you are not allowed to look at these items until after you have signed for the gold card.

This gold card is different from a secured credit card. With a secured credit card, you must first deposit a certain amount of money before you can get a secured credit card.

This Horizon Media Group Horizon Gold Card is similar to a store or merchant credit card, like a gas station card or a card for Sears. With a store credit card, you can use it at any of that particular stores location. But with the This Horizon Media Group Horizon Gold Card, you can only use it at their online store.

Horizon Media Group vs. primary competitors (sites similar to Horizon Media Group)

There are several credit cards that have different names but the same terms as the Horizon Media Group Horizon Gold Card, in fact, they are all from the same company. They are Merit Platinum and Net First Platinum. Other shopper cards or merchant credit cards include:

  • First USA Optimum Gold Merchandise Credit Card also has guaranteed approval, no credit checks and no employment verification. They have a $19.95 monthly fee and a membership fee of $149.95, no annual fee and no APR.
  • American Octane Onyx Unsecured Card is another shopping credit card with approximately the same requirements as the others. They have 0% APR, no annual fee, a minimum credit line of $2,500, a monthly fee of $9.95 and a start-up fee of $99.
  • First Platinum Plus is another shopping card that can only be used for purchases at their online store, eClubUSA. This card has 0% APR for the first 18 months and a membership fee of $24.95. You must have a household income of $1,800 per month for the last six months to be approved.

Sometimes there is no way to even know the company that actually issues these cards. I would be very careful with all of them.

Horizon Media Group: Pricing & packages

As you can see, these shopper credit cards have similar fees but not exactly the same and they can change at any time, so you have to read the fine print before you sign anything.

The Horizon Media Group Horizon Gold Card has numerous fees associated with it that include:

  • $24.95 per month membership fee which comes to $299.40 per year
  • $5.00 application fee
  • $2.50 fee for signature verification when you buy something from the Horizon Outlet store
  • $2.00 for shipping to your address
  • $6.00 monthly fee which is waived for all active $24.95 monthly benefit plan accounts

Even if you never use this Horizon Gold Card to buy anything, you still have to pay the $24.99 per month. The application fees can change at any time, so read the pre-acceptance disclosure carefully.

Horizon Media Group: Product images & screenshots
Horizon Media Group Coupons
Get $500 Free Limit @ Horizon Media Group
Horizon Media Group: Customer reviews & comments

There are many comments on the internet concerning the Horizon Gold Card and at least 90 percent of those were negative.

Some people were angry that the application fee, which seems to vary between $25 and $79, was deducted from their bank accounts, yet they never received their credit card from Horizon. Others said that the Horizon Outlet store sold junk and was not worth the price. And still others were mad at the fact they could not look at the items in the Horizon Outlet store until after they signed up for this credit card.

If you are looking for a credit card to rebuild your credit rating, the first thing you should look for is the Visa or MasterCard logo on the picture of the credit card. If the logo is not there and it is not an American Express card, you can be fairly certain it is a shopper type credit card that you can only use at their store.

All of these shopper credit cards terms and fees change frequently, so make sure you read the fine print. They all say they report to a credit reporting agency, if you notice they just say a credit reporting agency and this means to just one of the big three credit reporting agencies. That could leave big gaps in your credit reports when trying to build up your credit score.

If you need or want a credit card to build or rebuild your credit rating and FICO scores, these shopper credit cards might work for you, but you could be much better off getting a secured credit card through a well-known credit card company or bank like Bank of America or Capital One.

Related keywords: equifax score watch 2012
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Comments (8)

Interesting article on this card and what it can be used for.

I have heard similar horror stories about Horizon...thanks for the more detailed info...

Ranked #1 in

John, people really need to read the fine print with these cards and make sure they understand exactly what they are getting.The title to the article is misleading since this is not a prepaid credit card. I dont know why they titled it that way.

Great info, the fees can be misleading, thanks for making it all so easy to understand.

Consumer beware! Excellent review Sam....excellent...

I agree w/Beverly, its really a great review here Sam.

good points, glad to see you wrote about it

I've never heard of this, thanks for the info.

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