I AM SOO GLAD TO REVIEW COMPLAINTS. OTHERWISWE, I WAS CONSIDERING TO APPLY. NOW I WILL NOT...FUNNY I DIDNT EVEN NOTICE THERE WASNT A LOGO FOR MC OR VISA. OH WELL...THE CARD THEY GAVE ME IN THE MAIL WITH APPROVAL ALL OVER IT, , IS NOW T R A S H E D!!!LOL THANKS DENISE!

I opened acct in aug of 2007, also i believed that it would improve my credit and all it did was mess it all up charges have continued to be debt from my acct after i called and canceled it. Also a cr was promised for 2 months, which it never happened. In turn they debt the next mo again. of 14.95. In my opinion they stole from my acct. They deducted without authorization and the site in which it was obtained on was aol, AND YOU CANT GET TO THE SITE AT ALL. Unless you use another search engine. The employee you get when calling are rude and not willing to take a complaint or even get to a manager to help, unless you get real pushy. Even then they still didn't cancel my acct as instructed. and they do not report to all three credit agencies as stated when opened in aug 2007. I could not even access any reports with scores. I told them i was going to report then to attorney general and to the better business bureau. And yet still they did nothing but keep on billing, debt from my acct. I could stop authorization from my bank but it will cost me 25.00 to do so so why should i pay for it. and having the card did not raise my score, but it lowered it w/ third party inquiries. Where should i go for correction and benefits due at least a report to the cr AGENCIES all three since aug 2007 or a refund of all monies due to not being to access my acct or receive reports.

After I got my cup of coffee and went to the post box... I just received my card and logged in to the site. Much of the product on the site I could get at a dollar store! I began to read and found this message board site that I am posting to. I called in to cancel and the rep picked up in about 3 to 4 rings. I told him to please record the conversation and I began to request my cancellation. Of course he informed me to the fact that he could not cancel a card and he asked me to hold for a supervisor. To my surprise, I was only on hold about 2 minutes! I was courteous and professional to both reps and the super tried to convince me to stay on board by raising my unsecured line of credit to 1000 dollars and she would refund part of my "initiation" fee. I thanked her, again being nice and professional, and she tried to hard close me to the offer she had just made. I thanked her and I repeated my request for immediate cancellation and she agreed. She gave me a confirm number and informed me that I would get a refund of $69 w in 24 to 72 hours. I hope this is the case. I guess due diligence will prevail on my part in the future regarding trying to rebuild my credit. READ EVERY WORD OF EVERY APPLICATION! I will be relieved to get 69 of my 89 dollars back. How does one repair and rebuild credit? Someone please advise me on this! It is a struggle and I cannot afford too many of these companies! Good luck and remember that being stern and professional will get things done. (Hopefully).

Best Luck,
ZW.

Horizon Gold makes you think you are getting a regular credit card, charges you $79.95 and then when you get your card, all you can use it for is their outlet store. What a rip-off! I only got the card because like so many others out there, I just barely make it financially each month and wanted to feel some security if I had an emergency. I truly feel used!!!

I applied for this card and they were asking for my cc number but on my cc there was not enough money to cover the charge so i thought i canceled it. All of a sudden whatever was left on my cc they charged w/o my permission. Real shady... so i called and i asked for a refund and the employee that helped me was very rude.. She didn't wanna refund my money and was giving me an attitude because i wanted the refund..... In the end i just bluntly told her i wanted my money back and thats it..... it was 8 / 31 /07... I made the call for refund.... she said t will be credited in my credit card in 72 hours. I waited until9/7/07 still no refund... I called them back and guess what happen,, that lady did not process my refund.how rude...so now they told me i have to wait another 72 hours.. its 9/11/07 still no refund, tried calling their number it says circuit busy... i don't like this company all i want is my money back. I don't have extra money to be throwing away in some silly company.