Complaint Rating:

Yes, I have less than perfect credit. So when somebody like me searches online for a credit card, they get a crapload of pre-paids and cards for use only on their websites (Horizon Gold).

Okay, first one:

I get this pre-approval thing in the mail for a Horizon Gold Card. No credit check, instant approval, $500 initial credit line. Turns out it's just for their junk "outlet" site for things you don't even need. We should all know, stuff like that is too good to be true.

Next,

I applied for a card online, from a company called EDP reporting. They take your info and say you're "approved" but you never get any confirmation email, phone call, NOTHING! So you realize it must be a scam, cause there's no card, no contact, just this letter that gives me a "password" for cash advances from an ATM but the paper doesn't have a company name, it's practically blank. That's it. So I ignored it. But they took money OUT OF MY BANK ACCOUNT, 159.95. I did not authorize these charges. they don't answer their phones. You hold and they will not answer, they know why you're calling. Go to the EDP website and they give a list of different cards you can apply to. DO NOT APPLY FOR THE CARDS UNLESS YOU WANT MONEY TAKEN OUT OF YOUR BANK ACCOUNT SUDDENLY WITHOUT WARNING!