THE NET TRUST PLATINUM CARD AS WELL AS THE HORIZON GOLD CARD ARE BOTH RIP OFFS. THEY ARE NOT "TRUE" CREDIT CARDS, THEY DO NOT REPORT TO CREDIT BUREAUS EVERY 30 DAYS AS THEY STATE THEY DO, YOUR PERSONAL INFORMATION IS SOLD TO OTHER COMPANIES EVEN THOUGH THEY SAY THEY DO NOT. WHEN YOU CALL IN TO CANCEL YOUR ACCOUNT, YOU GET HARASSED BY A FRONT LINE REP THEN YOU ARE TRANSFERRED TO A SUPERVISOR WHO WILL THEN BADGER YOU INTO KEEPING THE FRAUD CARD. YOU CANNOT USE IT ANYWHERE TO BUT THEIR WEBSITE AND ALL THEY CARRY IS JUNK. DO NOT WASTE YOUR TIME OR MONEY ON THIS COMPANY. THEY ARE LISTED AT THE BBB AS AN UNSATISFACTORY COMPANY. THEY HAVE A FLOOR MANAGER WORKING THERE THAT IS CURRENTLY ON PROBATION FOR IDENTITY FRAUD. PLEASE DO NOT LET YOURSELF BE RIPPED OFF BY THESE PEOPLE. PLEASE CONTACT THE AG OR BBB OR FILE A CHARGEBACK AT YOUR BANK AS YOU WILL NOT GET YOUR REFUND BACK.