Group One Platinum Card

Our review of the Group One Platinum Card

The Group One Platinum Card stands out from traditional retail cards as it offers an unsecured line of credit instead of a standard credit card. This means no refundable security deposit is required, making it accessible to a wider range of individuals. Rather than focusing on cash back or points, this card is designed to help cardholders build their credit scores. With no credit or employment check needed for approval, anyone can take advantage of the 0% interest and membership benefits for a small monthly fee.

However, it’s important to note that there is a $750 credit limit* and the card can only be used at the Horizon Outlet online store. This limitation may not suit everyone’s spending needs.

Who Can Benefit from a Merchandise Card?

If you have limited or no credit history and are looking to improve your credit score, a merchandise card from Horizon Card Services can be a valuable tool. It provides an opportunity to build credit while offering limited purchasing options.

No Credit Check or Employment Check Required

The BOOST Card offers successful applicants a merchandise credit line for use at the Horizon Outlet. What sets this card apart is the lack of hard inquiries when applying, making it a popular choice for credit builders. Horizon does not require a credit check or employment check for approval. However, an active U.S. credit card, debit card, or checking/savings account is required.

How to Activate

Once you receive your Group One Platinum Card, follow these steps to activate it:

1. Call Horizon Card Services at 1-800-251-6144

2. Provide the customer service agent with your name, date of birth, full billing address, and other relevant information.

7-Day Free Trial

One unique feature of Horizon Card Services is the 7-day trial period. During this time, you can try out the card, make purchases at the Horizon Outlet, and assess the account. If you decide it’s not for you, you can cancel and only pay for the goods purchased.

How to Use the Group One Card

The Group One Platinum Card focuses on credit-building without requiring a security deposit. Once approved through a simple online application, you automatically qualify for a $750 line of credit*. This card also offers no interest, making it easier to manage your balance. Make sure to make the monthly payment on time to maintain a good standing.

If you need to carry a balance, the minimum payment is either 10% of the current balance or $25, whichever is greater. By paying your bill promptly, you can work on repairing or building your credit score.

Horizon Store Access Only

The Group One Platinum Card comes with a $750 unsecured credit limit* for use exclusively at the Horizon Outlet. This online store offers products like clothing, small electronics, home decor, toys, and books.

Build Credit

Similar to other merchandise or catalog cards, Group One Platinum helps build credit through timely payments. Horizon Card Services reports payment history to credit bureaus, allowing you to establish or enhance your credit score over time.

Horizon Benefits

Upon application approval, cardholders are automatically enrolled in the Group One Platinum Card’s membership program. This includes additional benefits such as:

• My Privacy Protection: Unlimited privacy protection within Horizon’s online portal
• My Roadside Protection: Up to three service calls or towing requests per year (up to 15 miles)
• Identity IQ: 24/7 credit monitoring through Identity IQ
• My Universal RX: Up to 50% off at over 55,000 pharmacies nationwide
• My Legal Assistance: One free 30-minute consultation with a legal professional

Other Merchandise Cards to Consider

• Group One Platinum
• Boost Platinum
• NetFirst Platinum
• Freedom Gold

FAQs

1. Can I use my Group One Platinum card anywhere?

• No, the card is only valid at the Horizon Outlet.

2. How do I cancel Horizon Card Services?

• You can cancel online or by calling (800) 251-6144 after paying any outstanding balance.

3. Are Horizon Card products available in all 50 states?

• Yes, the Group One Platinum and other Horizon Cards are available nationwide.