Well Here goes ...Horizon Gold CRedit Card Thats Right thats the First trick.......You think credit Visa/ Master Card NOOOOOO ITS NOT......2nd they want you in your dessperation to forget about the terms agreement involed so its not really avaialbe to read to much later on down the road......3rd trick you can not view there wonderful shopping site until you are approved MEMBERS ONLY FIRST THEN you can see the crappy stuff for sale that you would not even give to your worst enemy. Also your credit does not get reported for 60 - 90 days so expect to be pateint. 4th trick In the mean time watch your credit with them closely. Horizon Gold right from the start Got my address wrong then....maybe so they can delay the cancellation process by the time you firgure out whats going on. then its to late they got your money BYE BYE. it you fight them you will still be paying 20.00 for a piece of s plastic. 5th trick when you stay on with them they said my other credit card company wont pay them there monthy fee of $ 6.00 maintenance fee i have plenty of avaiable funds for them...in the mean time they suspened my account twice with no notifcation.............i asked if i didnt check all there mistakes would could you suspending my account effect my credit .......they said yes ........Just think this company pushes how they can help rebuild your credit yeah right beware of this company .............. thats another thing they send no statement to you at all...I asked if i cancell would it affect my credit they said it wont be a postive .....when i spoke with supervisiors they had an answer for everthing ...they say now i have to call them to make sure the payment goes through.... what an inconvience i dont trust this company at all but it seems i AM STUCK WITH THEM FOR NOW....jUST BEWARE AN WAtch them like a hawk......also there customer service in no good not professional at all.....I KEEP PRESSING THEM FOR SOME DECENT ANSWERS THEY SAID SORRY I HAVING a long day iam tried ....I WONDER WHY!!!!!1