![]() But after another month with the card, I was still unhappy with having to pay $24.95 a month and so I called again to cancel. But the CSR refused to let me cancel and offered me a $500 limit increase to $1,000 and set an automatic quarterly increase of $500 until I had reached a the maximum limit of $3,000. After a couple of months, I regretted my decision as I found nothing I wanted to buy at. I got a $500 credit limit and paid $29.95 upfront fee. I got the Horizon Gold Card through a mail offer. ![]() ![]() In fact, many Horizon Gold Card holders have similar experiences. Here is an example of how a Horizon Gold cardholder got his monthly fee reduced and even got his credit limit increased. (see example below)Ĭustomer Feedback and Example of Getting Membership Fee Reduced from $24.95/month to $6/month In fact, many folks who call CSR to cancel the Horizon Outlet credit card get offered a credit limit increase and/or a reduction of the membership to the "starter level" of $6/month. Rebuilders should definitely that this route. I would suggest that if you are not concerned about having Roadside Assistance as a benefit, you should call Horizon to downgrade to the start plan as it cost much less. Their terms and conditions also states that if you fail to make three consecutive payments on your regular membership fees, you will be automatically downgraded to the "basic starter plan". You will get all the benefits of the regular Membership Plan except for the Roadside Assistance. What is actually interesting is that you can "downgrade" from the "membership level" to a "basic starter membership plan" and just pay $6/month monthly fee. What this means is that as long as you pay your $24.95 a month membership fee, the $6/month fee is waived. In their terms and conditions, it states that there is a monthly fee of $6/month that is "waived" as long as you are "a member of the Horizon Card Services". When you apply for the Horizon Gold Card, you will automatically be enrolled in their Membership Program ($24.95/month), which gets you the benefits above that we just mentioned (Roadside Assistance, Universal RX, My Privacy Protection, My Legal Assistance). This part is a little bit confusing so bear with me. Your plan entitles you to one free 30-minute consultation with a legal professional in your area specializing in your area of law interest. You get Toll free and Internet access to Legal resources. You can get unlimited local participating pharmacy access and receive up to 40% off of covered prescription medications.Ĭredit Hawk Free Credit Report and ID Theft ProtectionĬard members of Horizon Gold Card get access to credit hawk which gives you access to your credit report and also offers ID Theft Protection. You are allowed up to 3 service calls within a 12 month period. The tow distance has to be within 15 miles and the cost must not exceed $50 (you have to pay any amount above that). Under this program, you are allowed up to 1 service per month. ![]() ![]() When you get approved for the Horizon Gold Card, you are automatically enrolled as a member of the Horizon Card Services. We suggest you consider the Extra Debit Card, which has a lower monthly fee, is a Mastercard (which means it can be used anywhere Mastercard is accepted) linked to your checking account, reports to Equifax and Experian and you determine your own credit limit by how much you have in your checking account. However, they no longer report to any credit bureaus so from a credit building perspective, all cards from Horizon Card Services are of no use any more. Horizon Gold has stopped offering this card though Horizon Card Services has other similar cards. Latest: The Horizon Gold Card is No Longer Being Offered - We suggest the following Instead If you are in the rebuilding phase where you want to get an unsecured credit line with a high limit but yet want to avoid a hard inquiry, then the Horizon Outlet credit card may just be the card for you. In this review, we will reveal the secrets of how you can get your $24.95 monthly fee reduced to $6 and also how to get a credit limit increase (the max is $3,000). Horizon Gold has no credit checks and no employment checks so you will definitely be approved as long as you have a debit card to pay for their $24.95 monthly fee (which comes with benefits like Roadside Assistance, Universal RX, Legal Assistance and a Free Credit Report). You will be extended a $500 unsecured credit limit to start and it is a merchandise credit line. The Horizon Gold Card is a merchandise credit card by Horizon Card Services that allows you to buy products from The Horizon Outlet, their online store. ![]()
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