You are an idiot. Not only is a credit card under no circumstances to be used for bill payment, but HorizonGold offers a STORE credit card just as any other store does, and does not advertise Visa, MC, etc. If you wanted a Visa, MC or other major credit card, you should have applied for one.
Clearly you have bad credit. You're also quite obviously incredibly stupid. One Quesion - why is it that only dummies seem to have bad credit?