I got this offer by email; "we remain eager and hopeful that you will take advantage of this incredible opportunity to become part of the Horizon Gold Card family. No Credit Checks, No Employment Checks, No income verification whatsoever... even bankruptcy is not a problem. Get 0% Interest, No Credit Checks, Instant Online Approval". I went online to find out more information. I had to fill out the first page of the application. On the second page, there was a picture of cards with the 'Visa' and 'Mastercard' logo. I clicked on the 'Terms and Conditions' for the Horizon Gold card and nothing was available. I tried this a couple of times before searching the internet for comments on this company.