Well here is what I have to say about that...
I am not or ever was under the pretenses that this was a real visa or mastercard, but rather simply a normal department store credit card. but lets describe why this is a SCAM!!
First, it states "THERE ARE NO ENROLLMENT FEES ASSOCIATED WITH THE ACCOUNT." when I went through the actions of activating an account, I had to agree to pay $75 with my debit card just to activate the account and agree to let them take $14.95 out of my account monthly for a maintenance fee or something. (my numbers may be a penny or 2 off due to item number 2...)
Second, I tried to go back to the registration page to re-read the exact fees, and to re-read the terms of agreement, but, low and behold, you are not allowed to go back. It tells you that your alloted time to register has expired. all this tells me is that they do not want you to be able to go back and check up on them. kinda shady, I think.
Third, I have been searching the web all over and can not actually find the site to go to actually see what online merchandise they are selling that I would have to choose from. This tells me that they probably don't have much to chose from and are simply just trying to get my money first before I find out I just paid them $75 and not buy anything.
But here is the best part of the SCAM!!!! the reasons you cant find an online store, and the reason they don't advertise that it is an online store, or ANYTHING is because they are playing on the emotions of people with bad credit really needing to re-establish their credit and will do almost anything to do so. They are tricking them out of their money. I mean, if you want a Victoria secret credit card, at least you know what you can buy.
Don't get this card!!! SCAM!!!
You are welcome for my time (to the people at horizon gold credit card). I needed to ad one more thing.
Here is a line from the disclaimer listed above:
NOR DOES HORIZON CARD SERVICES™ ATTEMPT, OR CLAIM TO ATTEMPT, TO ESTABLISH, RE-ESTABLISH OR REPAIR ANY CUSTOMER CREDIT HISTORY.
Here is the google search (paid advertisement to be on top of page in highlighted section)
Unsecured Credit Card
www.TheHorizonGoldCard.com Reports to Major Credit Bureau All Applications Accepted.
What a joke of a company... And by the way, I can still not find a way to see whats in the store.
And I do agree with the person above me. I have the Imagine card. Excellent. all you need is a checking account. Your payment must be auto drafted out of a checking account, and as promised, my credit limit was increased after the 6 months with a good payment history.