Horizon Gold Credit Card: Offering Generous Member Benefits

The Horizon Gold Credit Card is actually a line of credit charge card that gives members a great number of benefits when compared to other cards of its kind. It also has reasonable fees and is easy to get. By meeting a few requirements, except credit requirements, anyone can receive a guaranteed credit line to shop in the online store.

The Horizon Gold Credit Card is a member-based card that offers a line of credit that can be used to buy merchandise within Horizon's online store. Cardholders are guaranteed a specific credit line, granted they meet the requirements to apply. The application requirements are to be at least 18 years of age and a citizen of the United States.

Cardholders must also have an active debt or credit card because this is how the monthly fee and the very low card setup fee is billed. When comparing the fees with other cards in its category, the card has what can be considered low fees. Due to these low fees and the programs that it offers, it is a card that can pay for itself again and again.

Fees

The fees are relatively simple in that there is a monthly membership fee, a one-time account setup fee that equals no more than a few dollars, and fees associated with merchandise transactions in lieu of an annual percentage rate, or APR.

One fee in particular is the NSF fee. If the auto-debit does not go through once, you will not be charged a fee, but you will have to make sure the account is caught up before continuing to use the credit line. If a payment is made and there are insufficient funds again, then a fee is applied to the account and, again, that fee will have to be paid and the account brought current in order for the credit line to be used toward merchandise purchases.

Courtesy Programs

The courtesy programs are a significant part of the card in that they offer cardholders the opportunity to allow the card to more than pay for itself. Through such benefits as roadside assistance, a cardholder can call the provided hotline so that assistance can be sent to the requested location. The roadside assistance services provided include gas service, lockout service, tire changing service, and towing for a certain distance.

The prescription discount benefit allows cardholders to receive a discount for prescriptions, while the legal advice service allows cardholders to receive legal advice through qualified paralegals. If you are faced with a potential legal issue, then you can turn to this service to help you.

There is also a service where you can monitor your credit report for any strange activity. That way if your identity is stolen, you can identify that activity. You can also use the service to make sure there is no fraudulent activity on your account.

Fuel services allow you to obtain fuel at a discount at participating gas stations. Just like all of the other courtesy programs, this is subject to change. Programs can be added or taken away as Horizon feels appropriate or as they become available. This means having the opportunity to take advantage of a number of different types of benefits throughout the life of the account.

Customer Service

Customer service is also a very important aspect of this card, as the company strives to keep its cardholders happy by answering questions when they need to be answered, providing cardholders with account information that allows them to effectively manage their account, and having a Customer Advocacy Department to take care of any concerns that the customer may have with the company itself.

In addition to being able to use customer service as an effective way to manage the account, the account can be accessed online so you can keep track of balances before shopping online with the card. This also keeps you aware of payment amounts. In addition to this, statements can be delivered electronically rather than through postal mail. However, postal delivery of statements is available for those wishing to receive paper copies.

If a cardholder wants a refund or cancellation of enrollment, refunds can be requested within 30 days of opening the account or the purchase of a piece of merchandise. Customer service is available from 9:00 a.m. to 8:00 p.m. EST and these hours are subject to change, as are all of the policies that are created by the company. They reserve the right to alter the agreement at any time and can also cancel or suspend accounts that they may suspect have encountered fraudulent use.

The Application

The application process is simple. It involves a very short form initially. This form only asks for basic information. It does not go in depth and makes it clear that even poor or bad credit is accepted. As long as the rules of application are followed, a minimum credit line is guaranteed and it is a rather generous credit line.

As stated before, the prospective cardholder should be at least 18 years of age and a citizen of the United States. Having the credit or debit card on file is also a requirement. When these requirements are met, the credit line is granted so that the cardholder can shop in the online store. The application process only takes a matter of minutes, taking out a lot of the confusion that can come with charge card applications.

Horizon does reserve the right to change their application process, as well as their credit limits at any time. They do give the opportunity for cardholders to request increases in their credit lines if they want more than the initial amount. The company will use their discretion when making such decisions.

Final Word

The Horizon Gold Credit Card is a line of credit card that can be used in Horizon's member exclusive online store. It is a guaranteed card as long as the simple qualifications are met and it is one that has low fees, a generous credit limit, easy account management, and courtesy programs that allow the card to pay for itself again and again.