The Horizon Gold Card offers guaranteed approval with no credit checks. It is not a Visa or Mastercard and cannot be used at most retail outlets. You can fill out the Gold Card application at horizoncardservices.com. The Horizon card can only be used to purchase merchandise at thehorizonoutlet.com. They do report to major credit reporting bureaus; however, this card is not intended as a way to rebuild credit.
In order to apply for this line of credit, you will need a debit or credit card in your name. This information is not used to check your credit, but rather as a fee withdrawal tool. Associated fees are not clearly revealed during the initial application process; however, they are quite substantial. Processing fees are required when you apply for the card and with each purchase. A $15.00 to $20.00 monthly maintenance fee is also drawn from your associated debit or credit card each month.