Horizon OutletReviews 91

Looking into card options for my staff who are of poor credit, this 'baby' pops up quite frequently.

Viewing the terms that the card can only be used at one online shop, I was a bit disheartened, but this is not a wholly new idea. Several other companies have had credit cards which only work with them. Many of which use fair credit reporting measures, so you can build credit that way. A good example is the old Home Depot card (I'm uncertain if that has become more open use like Sears).

So, I go to their website to see what they have to offer.

You only see their home page, cannot view ANY product at all without inputting your card info. Cannot view the site map, T&C, policies, or even the FAQ without logging in.

This is an obvious trap, and when you try to contact them, there is no valid contact info available besides their web input dialogue, to which they seem to avoid giving any real response to questions regarding their 'company'.

This has all the signs of a Nigerian prince needing a small donation to ensure his ascension.

Avoid at all costs, even if they are greater than the 89.95 cost to get this card. It'll save you more in the long run.

This is a joke! If you get an email saying that you are approved for a $500 credit card, DO NOT take it... first of all it costs to get the card and they make it seem like you can use the credit card anywhere and you cannot. It is only accepted on their stupid website thehorizonoutlet.com. The website is sold out of almost everything (well anything worth actually buying) you pay a monthly fee and when you try to cancel they say "congrats! We are upping your credit limit to $1000 is there anything else we can help you with?" No you idiot i want to cancel and get my money back! Then they aren't authorized to do that but will transfer you to a supervisor. Well you sit on hold for 45 minutes and then finally it is all over! Geez waste of time and money!

thehorizonoutlet.com is the online shopping site for both the NetFirst Platinum card and the Horizon Gold card. Both cards guarantee a $500 unsecured credit line (regardless of bad credit) to be used for merchandise on their website only.

Now, to the average joe citizen who suffers from bad credit or lack of credit, this may seem like a terrific opportunity, right? WRONG! Resist the temptation... stay far away from this offer. It will not help your credit. Only drain your pocket of unnecessary/outrageous fees and fill your home with junk. If, you were so inclined to purchase items from the online store.

Firstly, you are enrolled in a lame benefits plan that offers active members discount legal, prescription, and roadside assistance. Which costs $19.95 per month and is auto-debited from your bank account.

Secondly, you are charged a $24.95 fee upon acceptance and issuance of your new $500 unsecured credit card. You're also charge a $6 monthly card maintenance fee. Also auto-debited from your bank account.

Now let's discuss the online store. You cannot preview the store merchandise before signing up. You must wait until you've been charged all the fees, received the credit card and can enter the card number on the website. Once you've arrived to get your shop on... be prepared for MAJOR disappointment. This is hardly a online shopping mall at all. There are VERY few items to browse and, even worse, it's all garbage. Cheaply made products that most anybody would not buy, wear, or use. Nothing fashionable, tech savvy or even worth its weight in pennies. Oh, and don't forget to pay the shipping and handling charges up front!

Such a racket! They should be ashamed of themselves preying on lesser-credit-worthy individuals. I'm begging you to stay far, far away and JUST SAY NO!

www.horizoncardservices.com
www.netfirstplatinum.com