Freedom Gold Card Review
Freedom Gold Card is issued by Horizon Card Services - A reputable company that provides credit cards for everyone.
Freedom Gold card is issued by Horizon Card Services - A reputable company that provides credit cards for everyone, including those with bad credit scores or who do not have access to any traditional credit cards.
Freedom Gold Card Review
Freedom Gold Card is an unsecured or merchandise credit card that is particularly famous among those who have bad credit scores. It is issued by Horizon card services, which have launched different credit cards for everyone.
People are praising the Freedom Gold card because it provides some critical benefits like legal assistance, roadside protection, etc.
However, there are lots of people out there who have very little knowledge about it.
Here, you will learn everything. In this review, we will look at the complete details of the Freedom Gold card to help you determine if it's appropriate for you. So, stay till the end.
Company Overview
Freedom Gold card is issued by Horizon Card Services- a reputable company that provides credit cards for everyone, including those with bad credit scores or who do not have access to any traditional credit cards.
In addition to Freedom Gold, the other cards that the company offers are:
- Net First Platinum
- Group One Platinum
- Boost Platinum
Note that the company does not attempt to claim to improve your credit history. It also does not report to any credit bureaus or any credit-issuing entity. A lot of people also mistook it for baking and insurance companies.
The truth is- Horizon card services only offer unsecured credit cards, which you can use to shop only at Horizon outlet.
Company History
Horizon has been serving people since 2006. Over a decade and a half has passed, and it is still offering top-notch services to those who are unlucky with their credit scores.
Currently, it has thousands of satisfied cardholders. That’s not it. Everyday, new users apply for its credit cards to enjoy valuable benefits.
Pros of Freedom Gold Card
![Pros of Freedom Gold Card]( "Pros of Freedom Gold Card")
There is no denying that the Freedom Gold Card has lots of advantages. Here are some of the top ones you should know:
- You can get a Freedom Gold card, even if your credit score is bad.
- Unlike many credit cards, it does not require you to have a job or a consistent source of income in order to be authorized.
- The application process is simple.
- Approval is quick.
- The account activation fee is $0.
- You can also enroll in a 7-day free trial program to check if this card is even worth it or not.
- No down payments are needed.
- The privacy and security system is top-notch and can safeguard you against illegal transactions or identity theft.
- The Freedom Gold Card includes emergency support, which might be useful if you require aid with lost or stolen cards, travel difficulties, or roadside assistance.
Cons of Freedom Gold Card
Freedom Gold cards are not all benefits. It also has some disadvantages which you should know in advance:
- No signup bonus.
- There is no cash back (unlike other cards).
- No reporting to credit bureaus.
- No rewards program.
Freedom Gold Card Reviews and Reputation
The Freedom Gold Card has received mixed evaluations in terms of reviews. Some cardholders have stated that the card has helped them improve their credit scores. Some, on the other hand, have complained about high costs, poor customer service, and unexpected charges.
Here are some legit customer reviews of the Freedom Gold card:
"This freedom card is great for me because I have a poor credit score. But the whopping annual fee is a big minus point," says Rene H.
"The Freedom Gold Card is a good alternative because it does not need any credit or employment checks during the application process. Also, the application is quick and simple. I really like this card," says Florencia.
Apart from student loans, I had no credit history when I applied for this card. I applied on their official website and honestly felt that my application would be rejected for sure. To my surprise, it was accepted! This credit card helped me build my credit. I highly recommend this card," says Layla D.
"I got accepted shortly but the thing I dislike about the Freedom Gold card is that I can use it on selective items and have to pay for the shipping separately," says Leigha W
There are dozens of more reviews on different platforms. When you read them, it gets clear that most people have recommended this card, while a few have disliked it as well.
Now, it's time for some comparisons.
Freedom Gold Card vs. Net First Platinum
Both the Freedom Gold and the Net First Platinum are credit cards intended for persons with poor credit or no credit history. Both are almost the same:
Best For?
The Freedom Gold card is suitable for those who don't shop much, while those who spend more money should get a Platinum card.
Affiliation
Both Freedom Gold card and Net First Platinum are issued by Horizon and can only be used at the Horizon outlet.
Credit Limit
Both cards come with a $750 credit line.
Fees
Both deduct monthly subscription fees ($14.77). Annually, that's roughly $177.
Service Call
Horizon offers towing services per year for both Freedom Gold card and Net first platinum card holders.
Freedom Gold Card vs. Group One Platinum
A Group One Platinum is another retail card issued by Horizon. It also offers almost the same benefits as the Freedom Gold Card.
Fees
Just like the Freedom Gold Card, Group One Platinum has different kinds of fees, but the two that frustrate consumers the most are:
- Late Payment Penalty Fee: $20
- Return Payment Penalty Fee: $25
APR
There is 0 percent APR on Freedom Gold and Group One Platinum cards.
Minimum Age Requirement
You have to be at least 18 years old to get your hands on these horizon cards.
Freedom Gold Card vs. Boost Platinum
People also look for a comparison between Freedom Gold and Boost Platinum cards. Both are the same when it comes to benefits.
Credit Line
Both Freedom Gold Card and Boost Platinum offer a credit line of $750.
Free Trial
You will enjoy a 7-day free trial for both Freedom Gold Card and Boost Platinum.
Benefits
Both Freedom Gold and Boost Platinum offer lots of additional benefits, like:
- Roadside Protection.
- Legal Assistance.
- Prescription Discount Plan.
- Credit Report Monitoring.
- $1,000,000 in Identity Theft Insurance.
Placing an Order With Screenshots
To place an order with the Freedom Gold Card, follow these steps:
Step 1: First, apply for the card on the official websiteofficial website and wait for approval before making a purchase with it. When everything gets done, check whether the card has become operational or not. If it is, then you can place an order on the Horizon outlet with it.
Step 2: Go to the Horizon store where you wish to make a purchase and add the products to your shopping cart.
Step 3: When you are ready to complete your purchase, select the credit card payment option and enter the details for your Freedom Gold Card. You must provide your credit card number, expiration date, and security code (usually located on the back of the card).
Step 4: Confirm your purchase.
It's crucial to know that, like any credit card, the Freedom Gold Card has a credit limit. Make sure you are aware of your credit limit and don't go over it when making purchases. Furthermore, you will not be able to pay for the shipping. So, keep these two factors in mind before confirming the purchase.
Key Information About the Company
Horizon Card Services is a company that specializes in offering credit cards to clients who have limited or no credit options. You have already read everything about its Freedom Gold, Boost Platinum, Net First Platinum, and Group One platinum merchandise credit cards.
Here is some important company information you should know:
- Horizon Card Services was founded in 2006 and is located in Indianapolis, Indiana.
- The company provides a number of credit products, including the Freedom Gold Card, which is intended for customers with a poor or restricted credit history.
- It is not a credit services organization.
- Horizon Card Services is not a banking or insurance company, which many people think it is.
- It does not claim to improve your credit history and does not report to any credit-issuing entity.
- Horizon Card Services is a Better Business Bureau member and has an A+ rating with the organization.
- The website of the company offers information and instructional content to help consumers understand credit and improve their financial literacy.
Frequently Asked Questions - FAQs.
- Q1. Is a Freedom Gold Card a Credit Card?
- A1. Yes, the Freedom Gold Card is a credit card. However, it is crucial to know that the Freedom Gold Card is not like a regular credit card. It is a merchandise or unsecured card that you can only use to shop at the Horizon outlet.
- Q2. What is a Freedom Gold Card?
- A2. Freedom Gold Card is issued by Horizon Card Services, with which you can make online purchases at Horizon outlet online. You can use it to get a variety of items, including electronics, apparel, and household goods.
- Q3. Can I Use My Freedom Gold Card Card at Walmart?
- A3. No, you cannot use the Freedom Gold card at Walmart. It is because it is an unsecured credit card that you can use only to shop at Horizon outlet.
- Q4. Is Freedom Gold Card Legit?
- A4. Yes, the Freedom Gold Card is a legitimate credit card. However, it's important to be aware that the card is marketed as an unsecured credit card. You can use it to shop at Horizon outlet and get towing services three times a year.
- Q5. Is the Freedom Gold Card a scam?
- A5. No, the Freedom Gold card is not a scam. But before applying for or using any credit card, carefully read the terms and conditions and be aware of its fees.
- Q6. What is the Freedom Gold Card Telephone Number?
-
A6.
The customer support phone number for the Freedom Gold Card is (800) 251-6144. For customer advocacy, please call 1-800-837-4997.
You can call from 8:30 AM to 8:00 PM ET from Monday to Friday. On Saturday, you can call between 9 AM to 6 PM ET (excluding holidays). The representative will be there for you to assist in whatever problem you are facing. - Q7. Does Freedom Gold Card Build Credit?
- A7. Yes, if the Freedom Gold Card is used appropriately, it can assist in improving credit. Therefore, when payments are paid on time, and the amount is maintained low, it can have a long-term beneficial effect on the cardholder's credit score.
- Q8. What Credit Bureaus Does Freedom Gold Card Report To?
- A8. Freedom Gold Card/Horizon card services do not report to any credit bureaus. There is a common misconception that it shares your data with any one of the credit entities, but it does not. It is simply a merchandise credit card that you can use to shop.
- Q9. Where Can I Use a Freedom Gold Card?
- A9. You can only use a Freedom Gold card at Horizon outlet for shopping for stuff like toys, clothes, etc. Just fill in the information on the card at checkout, and you will be able to complete the shopping easily.
- Q10. However, make sure you don't cross the credit limit. Also, bear in mind that you cannot use a Freedom Gold card to pay for the shipping costs.
- A10. In addition to this, you can also use the Freedom Gold card to get towing services offered by Horizon. But keep in mind that the limit is three times a year. Furthermore, the company only entertains a request once a month. It means you cannot call for help if your car breaks down twice in 30 days.
- Q11. Is the Freedom Gold Card Real?
- A11. Yes, the Freedom Gold Card is a real credit card. But it is an “unsecured” or merchandise card, which means you cannot use it anywhere, like Visa or MasterCard. That is why before applying for it, read the terms and restrictions.
- Q12. It is also critical to comprehend the fees linked with the card and how they could affect your finances because some consumers have complained that the card charges hefty fees.
- A12. That's everything to know about the Freedom Gold Card.
