Horizon Gold / Horizon Card Services
Reviews and Complaints

I was lead to believe I was approved for a secured credit card with $500.00 on the card. I agreed to pay them $24.95 a month and it wouldchelp rebuild my credit. I never recieved anything from them not even a note or an empty envelope...nothing. They have taken $24.95 from my husbands hard earned money we put on our pre paid credut card. We just recently lost our 4-week old baby girl. I am so heart broken it feels like it is going to eventually kill me. My husband works so hard everyday & I thought I could maybe help out our family, but instead these scam artists are stealing the money he works his butt off for everyday&night. Please help me! We cant afford to lose any more money.

These people are taking money out of my account and I never signed up for their card! I need to contact them, but can't find a way to email them or a phone number. Does anyone have that information? I'm very upset.

I want to terminate this false card and cancel the monthly payment of $19.99 per month now. This payment should be discontinued now.

I checked the average credit card website and horizongold card services website appeared which said that I could get a credit card with 500.00 dollars of cash credit for a down payment of 29.00 dollars and .95 cents it did not say at all that I had to buy merchandise with the credit and no cash withdrawals, Im not complaining too much but I first decided to give it a chance because I like to do vending work, but when I tried to make an order the shipping and handling was more than the down payment, and all I make is social security benifits and temp employment I am a disabled veteran and have been taking medicine for over 20 years I cant afford the card if I am paying too much maybe you can lower the shipping and handling and i dont mind paying the monthly fee.

thank you

DAVID A.PURYEAR

I received a postactrd in the mail for a guranteed $500 unsecured Net First Credit Line. I went on line and applied for the credit line and it was required that I provide my credit card number and was told that I would not e billed but that is exactly what happened. My debit card was billed $29.95 within about 3 minutes of me inputting my card number.

I recently applied for a credit card with a low max on charges from Horizon Card Services. They have deducted two months so far without my authorization. I am trying to rebuild my credit and how can companies like this one be allowed to do unscrupulous business. If you want to buy something, it has to be from their outlet and they don't offer anything of any use to purchase. Toboggans, tshirts, electrical plugs, etc. Not a thing that I or probably anyone else would want. I am charged $24.95 each month for nothing and I can not get hold of them. They are taking advantage of honest people trying to make an honest living. It is the "Scam of all Scams". One thing that is stressed on credit counseling is to get a small credit card, pay it off every month so you will get a good report on your credit and you get scammed on something like this. Someone needs to do something to stop this and if I could get an address/phone number I would gladly persue this. This really makes my blood boil.

I was just looking into getting a loan on-line, cash advance only, and credit card services kept popping up. I guess because I was considering getting a bigger loan.
It was offerered thru certain credit card services, which I didn't want in the first place. I just wanted a fast online cash advance or payday loan up to 5oo.oo up to 1000.00.
You know when you go into these sites they offer to help you get a loan. I didn't think they would introduce credit card offers as a way of getting a cash advance loan. But I guess
they do what they have to do to help you. But one of these Credit Card sites I looked into was Horizon. They withdrew 29.95 from my account without my authorization/
permission! Just because I went into their site. Now that's not right and it really pisses me off! I looked into my account wondering where my money had gone. Sure enough it said Horizon Card Services. I tried to call the famous number [protected] and the recording said to call back at their normal business hrs...or something like that. I never thought this could happen to me. No wonder I'm afraid to go on-line. All these freakin SCAMS! Well some people are Honest. Not HORIZON or whoever is behind it. They need
to be locked up! And I want and need my money back. Are there any lawyers or firms looking into this? I'd like to be helped out in this matter. SERIOUSLY!

they told me of a unsecured credit line of 500 dollars, when I received the card it was not a credit card talked about cash advances not capable of that this is the biggest scam I've ever seen. They also said I could build my credit charged me 35.00 dollars for something I cannot use that money could have went on a bill.

I ordered this Horizon Gold card because I thought it was either MasterCard or Visa. I paid the initial fee of 79.95 and was waiting for the card to arrive when I found many unsatisfied customers of Horizon Gold, and decided to cancel the card.

The services that they provide are not even worth paying for. They claim you get for free credit reports, roadside assistance, and cash advances, but in reality you have to pay extra for all of this.

I called them and a lady said that since the account was open for 10 days, I would only get a partial refund! I requested to speak to her supervisor and he offered a free month (they have a $14.95 maintenance fee or something.)and to increase my credit limit if I don't cancel. I requested a cancellation and a full refund. He said OK.

A month later I saw that Horizon Gold charged me their $14.95 monthly fee again. I also received no refund. I called them again, this time they refused to refund me my last month payments, and promised to cancel.

When last week I saw a charge from them again, I was outraged. I am now contacting my lawyer and FTC, and BBB, and my Attorney General.

I was searching for a credit card to help me through the holiday season when horizon gold card pop up claiming to give 500 dollars credit limit with out credit checks or employment checks. So I started the application process giving my personal info including my current credit card info, however when it came to the part asking for my card secure code a the holy spirit advise me to look the company up to see if it was truly legit that is when i came across this website. I was so relieved that I looked it up before going through with it so I went back to the page and pressed cancel then an message box appeared and asked if I really wanted to navigate from this page and I pressed OKAY all of a sudden it moved me to another page that looked like a home page at the bottom it had options Yes to go ahead with the company and No Thanks, so I pressed No Thanks. Now here is where the scam happened a page saying thanks and the company has went ahead and took 29.95 from my account. I was in SHOCK. HOW THE HELL CAN THEY DO THAT, JUST IGNORE ME SAYING CANCEL AND NO THANKS AND TAKE MONEY OUT OF MY ACCOUNT WITH OUT MY PERMISSION. HELP PLEASE WHAT DO I DO I NEED THAT MONEY TO GET MY SONS CHRISTMAS PRESENTS!

I am pissed! not juz about this company but about all the fraud that's allowed to occur today! period! there was a time of day something as such would be held accountable and punished by law! I've been wandering to myself juz when this law was changed and became a constitutional right? Then i thought, maybe due to the lact of majoritiy to press the issue! Then, juz- maybe then it would justice would prevail! So, It is a question of... who feel's the same? Have you been a victim of... falsified advertising? Did or did not summit too, .. electronic signature's, etc.? Had been promised something you did not recieve? Totally believe it to be a faslsified advertisement, and believe it should be rebuked by law-to be allowed to be online! And further more be subject to justice and punishable by law! please visit me/ email: [protected]@rocketmail.com n on fb!
Horizongoldcard created a mess w/ my checkin account! do ne of u desearve this misrepresentation?
sincerely, tina

The avertisment explainted as if this was a Visa Credit Card with a limited of $500.00 and a fee of $29.95 debiting my cheching account. I was miss informed this is a merchendice membership with a monthley fee of $24.95. I applied for the Horizon Visa Credit Card on July 06.2010. I had called customer service and cancelled on July 7, 2010. Management said my account would not be debited. Money was taken from my account on the July 8, 2010 in the amount of $29.95. I would like my refund back in my account. Do not debit my checking account next month.

PLEASE READ! I WORKED HERE AND KNOW ALL ABOUT IT!

Horizon Gold Card is not something that you want. I left my steady job to work at this credit card company. I only worked there for a week because I couldn't live knowing what I was doing to the poor people that were victims of this company.

You apply for it on this website: https://www.horizoncardservices.com/index2.php?referID=&csaff=&cscust=&drid=X&trid=&zip=&em=
They also have the net trust card, it is the same thing. The visa logo on one of the pages misleads people, it is not a major credit card.

They say that they offer you a credit line of $500 dollars. THIS CREDIT LINE CAN ONLY BE USED ON THEIR WEBSITE! This is that website. http://www.thehorizonoutlet.com/ Everything on the website is tacky and really cheap and they charge you a very large amount for the shipping and processing. This is part of what actually made me quit. There was a customer asking why he was paying OVER $100 in shipping and processing. My manager told me I had to lie and tell him that we didn't control that.

It's supposed to "report to the credit bureau Transunion to build your credit". I had a customer call in and say she called transunion after having the card 4 months and they didn't have any record of horizon.

They charge you $29.95 to activate it. IT IS ACTIVATED AS SOON AS YOU APPLY ONLINE AND CHARGES YOU IMMEDIATELY! DO NOT ENTER YOUR CREDIT CARD NUMBER YOU WILL BE CHARGED! When you receive the card in the mail it says horizon on the front. It doesn't look like a credit card because it doesn't have a bar code! That's because you can only use it on their website. IF YOU RECEIVED THAT CARD IN THE MAIL, YOU ARE BEING CHARGED, EVEN IF YOU NEVER USED IT AND THREW IT AWAY! AND IT WILL CONTINUE TO CHARGE YOU UNTIL YOU CANCEL!

When you call they will try to talk you out of cancelling and pretty much ignore you and practically hang up on you after reading their script. IMPORTANT: IF THEY IGNORE WHAT YOU ARE SAYING THREATEN TO CALL THE BBB! AS SOON AS YOU SAY THAT, THEY ARE REQUIRED TO GET A MANAGER. IF THEY DON'T WANT TO REFUND YOU, THREATEN WITH THE BBB AGAIN, THAT WILL DO THE TRICK! YOU CAN ALSO THREATEN TO CALL YOUR BANK AND TELL YOUR BANK YOU DIDN'T AUTHORIZE IT AND THEN THEY WILL HAVE CHARGEBACKS WHICH COST THEM MONEY.

I'm sorry to ever have worked there. I really hope everybody that applied or is thinking about applying reads this. I worked there and I know what has happened to hundreds of people and I know how to get them to listen to you.

THIS IS NOT A CREDIT CARD LIKE I WAS TOLD WHEN I SIGNED UP FOR IT AND I WANT MY MONEY BACK ASAP WHAT A RIP OFF

i tracey j. huff was and from a lot of other customers, there feedback was all negative after recieving my horizon gold card i was directed to go to their website to activeate my card, in which however is not a credit card such as a visa or master card. i would have never excepted this offer, i thought that it was honesly a credit card with a 500.00$ limit to help me get my credit back on track! i have no use for this or the time to be misled by a company that states they help u restore ones credit. that's what they are saying that's what their doing! if i would have known about this prior i would have never accepted this offer. so 1st thing come monday they will most definitly be hearing from me and many others. this is what u call FRAUD! misleading people to believe something totally different than what they wanted! this is a bunch of more BS! ms [protected]@yahoo.com and if i have to i most definatly hire my attorney, so some body better be able to help me! tracey huff

This Net First Platinum card is nothing like I expected. I didn't know I would only be permitted to shop from horizonoutlet store. Do not want this card. Account needs to be terminated immediately. Thanks

This company disguises themselves as a "credit card". I received my card only to find out it wasn't a credit card at all. The card can only be used on their website. Once I went to the website and entered my card number and zip code it would not let me enter the site. I want my money back because this card is the biggest rip-off I have ever heard of or been sucked in by. I needed a credit card to help with financial woes and instead I got ripped off and taken advantage of. Don't get sucked in.

I have read many of the complaints listed at this site about horizon gold, I only wish I had seen them when I also payed 79.00 to get my card also thinking like so many others that this was a credit card (visa or mastercard
but it was not Ive never used this card and ive had it since 2007 it is a scam to get people to buy things from their company and then charge you interest on this crap they want to sell you although they do report this to a credit bureou (ive seen it on my credit report) they were decieving in the way they get peaple to pay there fees, to get a card i will NEVER use I never got my money back, but it's definetly a good lesson learned