Horizon Gold Shopping Credit Card
The Horizon Gold Credit Card is a line of credit charge card that offers cardholders the opportunity to make merchandise purchases that they may not be able to make otherwise. In lieu of the APR, there are specific fees that are not as high as competing cards and there are a number of courtesy programs that make the card more than pay for itself.
- Instant $500 Credit Line*
- No Credit Check
- Fast Online Application
- Bad Credit - OK
- Issued by Horizon Card Services
- *See Terms & Conditions for Details
The Horizon Gold Card is a unique line of credit that gives cardholders the opportunity to buy merchandise out of the Horizon online store. This allows Horizon Card Service cardholders to obtain merchandise that they may not be able to obtain otherwise and without an APR. There is a monthly fee and a one-time account setup fee that is charged. This fee is auto-debited from a debit or credit card that is on file with the company rather than from the account balance. There are few fees with the card, but there may be charges associated with purchases and there are shipping and handling fees depending on the item and where it needs to be shipped to. Other fees include an NSF fee, which isn't charged until after the second NSF. When default happens on the account, it is downgraded to basic benefits, which are received at a reduced cost and the credit line cannot be used until the account is brought current. There is also fraud protection, as the card is to only be used by the card member. If there is suspected fraud on the account, then the company will prosecute in order to recover the damages. There is also a customer advocacy service that works with customers if they feel they have been mistreated by the company in some way. This is one element of the customer service department that is unique. Lastly, customers can choose to be billed electronically or to receive paper bills, based on how the customer wishes to manage their account. Horizon Gold card helps you with your credit by reporting to main credit bureaus every 30 days. This card is a shopping card NOT a Visa or a Mastercard card and can be used only for purchases from Horizon merchant.
- Reports to Credit Bureaus
- Unsecured credit
- Instant approval
- Limited use
- Cards for Bad Credit
- Instant Decision Cards
- Shopping Cards
Finance & Rates
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Horizon Gold Shopping Credit Card
Rec. Credit Score
People that suffer from bad credit have been on the rise in the past couple of years. Improving one's credit score is integral. A good credit score means quite a lot of different things.
When you're the proud owner of good credit, you're eligible to apply for loans, mortgages, insurance, and other things. But, people tend to ruin their credit with bad purchases, and improving it can be quite a nightmare.
Lucky for you, there is a happy pill to the nightmare in question. The solution is the Fingerhut Advance card! It isn't only a card that gives you a fair amount of purchasing power; it's an essential tool that every proper credit rebuilding strategy needs to function.
The Fingerhut Company & Numerous Services
Fingerhut is a popular retailer that was founded back in 1948 and has been an integral part of any consumer's purchasing habit ever since. Fingerhut has built its reputability through years of hard work and dedication as a reliable seller with a catalog of vast quantities of items.
In the past couple of years, though, as everything has gone virtual, so has Fingerhut. Fingerhut Credit now offers an online catalog and a couple of different credit options, specially catered towards people who are looking to improve their credit score.
The Fingerhut family is continually adding options, services, and items. It shows no sign of stopping anytime soon. Fingerhut understands that people deserve a second chance at their credit score, and strives to provide it accordingly.
Fingerhut Credit Options
Fingerhut Shopping Credit Card
Fingerhut Credit offers two different credit options, and the first one we're going to discuss is its Advance Shopping Credit card.
This credit card is offered by WebBank, which has purchasing power only on Fingerhut and Fingerhut affiliated websites. It is a credit card primarily used for rebuilding credit. While its purchasing power is not that great, it is a straightforward, pure, and safe option.
The Fingerhut advance credit card is integral to an excellent credit strategy, and can help you:
- Manage your spending
- Improve your credit score
- Track and monitor your purchasing habits
- Reap plentiful interest
These are all very appealing to people who are not only looking to increase their credit score but improve their credit habits as well. This card, like all other cards and credit options available through Fingerhut, is entirely free to maintain, open, use, and implement into your purchasing arsenal.
Fingerhut is a firm believer in the second chance philosophy, and it shows this through its FreshStart option. While the acceptance ratings on the Advanced Credit card are very high, if you aren't eligible for one, you're automatically applied to the FreshStart Program.
Consider this as a one-off spending credit coupon that you can spend on items on the Fingerhut website. When you've paid this option off, you're eligible to apply for an Advance Credit Card, which allows you to reap even more credit-increasing benefits.
Both of these credit options report their spending and their pay-offs to all three major credit bureaus (see: Credit Reporting Cards), improving your credit alongside helping you upgrade it further.
Fingerhut Affiliates and Partners
There is one drawback to the utilization of the Fingerhut credit options. They're only applicable to Fingerhut and Fingerhut affiliates.
This means you can't use the card anywhere else. But, there is no reason to worry, as Fingerhut has a vast catalog of online retailers, and has quite the amount of brands and products affiliated with the site.
The most fashionable clothing and electronic brands are all available through Fingerhut Credit. People report that it is just like any other online retailer, with the credit-bonus twist. The shipping fees on these items might be a little bit higher than usual, but that is due to the generous credit options that this website offers.
Some of the popular brands affiliated with Fingerhut are:
- And many more!
Mobile App & Website
All Fingerhut Credit options are accessible through PC and Mobile devices. Mobile support comes in the form of an app for both IOS and Android users, while the website supports all major browsers.
Our Thoughts on Fingerhut Credit Options
Fingerhut Credit is a reliable and reputable provider of credit. It is an ideal way to improve your credit score, while not missing out on some fantastic purchasing opportunities. There is absolutely nothing to worry about except for paying your debt on time.
Transferring money to your Fingerhut card is also very simple, as Fingerhut offers different ways to do this. From all popular cards and accounts to the popular e-wallets, the range of support sure is vast. The card is also free to make, use, and maintain - so you have nothing to lose!