I APPLIED FOR A HORIZON CARD ONLINE WITH THE ASSUMPTION THAT IT WAS A CREDIT CARD WITH A VISA/MASTERCARD LOGO ON IT. I WAS TOLD THAT IT WOULD BE REPORTED TO TRANS UNION TO HELP BUILD MY CREDIT. MY ACCOUNT WAS DEBITED 29.95 IMMEDIATELY. THEN I RECIEVED A POSTCARD IN THE MAIL WITH MY APPROVAL CODE ON IT, BUT WHEN TRYING TO LOG ON TO THE WEBSITE AS DIRECTED ON THE CARD USING MY APPROVAL CODE IT KEPT TAKING ME BACK TO THE APPLICATION AND ASKING ME FOR MY BANK INFORMATION AGAIN. THE SITE NEVER LETS ME GET TO THE PART WHERE YOU CONFIRM YOUR APPROVAL. AND ALSO THE CARD IS NOT A VISA/MASTERCARD IT'S A CARD TO ONLY BUY FROM THEM. WHEN I CALLED THE CUSTOMER SERVICE PEOPLE TO CANCELLL THE CARD, I WAS TOLD THAT ONLY 19.95 WOULD BE SENT BACK TO ME...THE 10.00 WOULD BE FOR CANCELATION FEES. BUT AT THE SAME TIME THE REPRESENATIVE WAS STILL TRYING TO SELL ME MORE THINGS, IT TOOK ALONG TIME TO GET THROUGH TO THEM THAT I NO LONGER WANTED THE SERVICES AND MY MONEY DEBITED BACK TO MY ACCOUNT.