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Archive for Horizon Gold Card

How to Get a Credit Card with Bad Credit

Monday, October 10th, 2011

The economy is still in the dumps and thousands of people are without a job. No income leads to the inability to pay bills, which leads to bad credit.

Once you are out of your situation it is wise to begin rebuilding your credit, but what is the best credit card to get if you have bad credit? Where do you start? and How do you apply for a credit card with bad credit?

Applying for a credit card when you have poor credit is actually no different than if you have great credit. Your options will be far less and fees may be higher, but the process itself is the same.

Is there a ‘best card’ to get for this situation? There are a lot of credit cards out there for people in this predicament. Especially as of late because the number of people that are applying for “Bad Credit Credit Cards’ has increased. Therefor there may not be one best card, but you do have options.

Many cards that are offered for poor credit individuals are secure credit cards (read here about the difference between secure and unsecured credit cards.) If you have been unsuccessful in applying for a traditional credit card a secure credit card may be right for you. More often than not you can get approved. Some secure credit card offers do not even require a credit pull.

So the next question is “Where to get a credit card with bad credit?”

Here are a couple of bad credit credit card offers you can start with.

The Orchard Bank card is the best place to start. This is a card with low fees created for individuals with poor credit. If you cannot get approved there see the Horizon Gold Card below.

The Horizon option is expensive, but offers no credit check and guaranteed to report to the major credit bureaus.

Help Build Your Credit with the Horizon Gold Card

Monday, November 8th, 2010

Are you looking for a great way to start building your credit?

Do you need a credit card even though you have poor credit?

The Gold Card from Horizon is a simple and effective way of getting a credit card with bad credit or no credit at all.  They offer instant guaranteed approval so will qualify for this credit card.

The card has a $500 dollar limit and reports to all of the credit bureaus.

This card can help you build credit and help you reach a stronger financial state.  Look at these benefits.

Building solid credit is important for your financial future.  Without good credit you may be turned down when trying to purchase a car, a house or even something like a new bed.

See BankAims Top cards for building and rebuilding your credit.

If you have poor credit or no credit at all it can seem impossible to qualify for a credit card.  A card like this one will help you build credit to prove you are a good borrower and you will soon be able to qualify for better credit cards.

Find out how to choose the right credit card here.

Do not plan on using this credit card long term.  It is meant to be a card that will help you build credit so you can move on.  Be sure to make all your payments on time and do not let the balance of the card exceed 30% of the maximum amount you can borrow.  Following these to rules will help you build credit and not hurt your credit.