@Legions36 wrote:
Hi everyone NetFirstPlatinum just sent me a card guarateeing me approval of $500. Im in the building stage and have 4 cc's at the moment but if i decide to get this it would only be to put like $5 on it and have the rest for utilization, what do u guys think should i get it or not? R they crooks or what?
NETFIRST PLATINUM CARD and HORIZON CARD SERVICES MEMBER AGREEMENT (emphesis added below)
This agreement contains the terms and conditions of your membership known hereafter as Horizon Card Services and Horizon Benefits Plan.
This agreement contains the terms and conditions of your Horizon Card Services membership known hereafter as Horizon Card Services and Horizon Benefits Plan. HORIZON CARD SERVICES™ IS NOT A CREDIT SERVICES ORGANIZATION, BANKING INSTITUTION OR INSURANCE COMPANY, NOR IS IT AFFILIATED WITH ANY CREDIT SERVICES ORGANIZATION, BANKING OR INSURANCE INSTITUTION. THIS PRODUCT IS NOT A VISA, MASTERCARD, OR DEBIT CARD. HORIZON CARD SERVICES ACCOUNT IS A LINE OF CREDIT THAT CAN BE USED BY AN ACCOUNT HOLDER TO SHOP EXCLUSIVELY AT OUR ONLINE SHOPPING WEBSITE. THERE ARE NO DOWN PAYMENT REQUIREMENTS FOR PURCHASES AT OUR WEBSITE. HORIZON CARD SERVICES™ DOES NOT FACILITATE, NOR PROVIDE ASSISTANCE IN OBTAINING CREDIT FROM ANY OTHER CREDIT-ISSUING ENTITIES. HORIZON CARD SERVICES™ DOES NOT CHARGE AN ADVANCED FEE TO ESTABLISH CREDIT, NOR DOES HORIZON CARD SERVICES™ ATTEMPT, OR CLAIM TO ATTEMPT TO REPAIR A CUSTOMER’S CREDIT HISTORY.
Horizon Card Services™ website is located at HorizonCardServices.com (the 'Website'). By accessing and/or using the Website and/or our Horizon Card Services™ service (the 'Service') you agree to comply with, and be bound by, the following terms and conditions (the 'Agreement'). Please review this Agreement carefully.
If you do not agree to this Agreement in its entirety, you are not authorized to use this Website and/or Service in any manner or form, whatsoever.
Annual Percentage Rate for Purchases 0.00%
Variable Rate Information: N/A
Grace Period for Repayment of Balances for Purchases: N/A
Method of Computing the Balance for Purchases: Revolving
NSF Check Fee: $25.00
Cancellation Fee: None
Late Payment $20.00
How it Works: Upon Account activation of your membership, you will receive various benefits as well as a credit card account to use exclusively on purchases available through the Horizon Outlet Website. Your Account will not work at any other website. Due to the lack of restrictions associated with obtaining an Account, there are nominal shipping and handling fees required for each purchase. You will receive a physical credit card within (5) five days to (2) weeks of your account activation. If you do not receive your card, please contact our customer services department.
Monthly Membership/Benefits Plan: Upon account activation, all Horizon Card Services members are automatically enrolled in our monthly membership benefit plan. Monthly membership includes a $500 Unsecured card, access to My Privacy Protection, My Universal RX, My Roadside Protect and My Legal Assistance benefits. For ease and convenience, the $19.95 benefits plan membership fee will be auto-debited monthly. The $6.00 monthly card maintenance fee is waived to all active $19.95 monthly benefit plan accounts.
The Federal E-Sign Act (HR-1714) on Final Digital Signature provides that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing the online application at the website for Horizon Card Services™, member certifies that their digital signature is the equivalent of its handwritten signature. Also, the member declares that it has read and understands all of the Terms and Conditions and agrees to and does sign each section of these Terms and Conditions with its digital signature.
Cancellation and Refund Policy: Cancellation and Refund requests can be made within 30 days of your billing date by calling Member Services at 1-800-251-6144, Monday through Friday from 9:00 a.m. to 8:00 p.m. EST, and Saturday from 10 a.m. to 3 p.m. EST (excluding holidays). Accounts that are cancelled beyond 30 days from their billing date are not eligible for a refund.
Chargeback / Bank or Credit Card Company Dispute Charges: Horizon Card Services™ strives to provide exceptional customer service. If you feel you are entitled to a refund or would like to cancel your enrollment, you may do so by calling 1-800-251-6144 Mon - Fri 9:00 am through 5:00 pm. Refunds can only be obtained by calling this number. Customer Advocacy If you feel at any time you are not receiving the customer care and attention you deserve, we encourage you to contact our 'Customer Advocacy' department. Customer Advocacy is dedicated to helping you 5 days a week from 9:00 am until 5:00 pm.
Acceptance of Agreement. You agree to the terms and conditions set forth in this Agreement with respect to your use of the Website and/or Service. This Agreement constitutes the entire agreement between you and Horizon Card Services™, and supersedes all prior or contemporaneous agreements, representations, warranties and/or understandings with respect to the Website, the Service and/or your Account, as defined herein below. We may amend this Agreement from time to time, in our sole discretion, without specific notice to you. The latest Agreement will be posted on the Website, and you should review this Agreement prior to each use of the Website, the Service and/or your Account. By your continued use of the Website, the Service and/or your Account, you hereby agree to all the terms and conditions contained within the Agreement in effect at that time. Therefore, you should regularly check this page for updates and changes.
Additional Terms and Conditions For Horizon Card Services™ Accounts. The Horizon Card Services™ is an online merchandise shopping service. After obtaining an Account, you can make purchases of select items available at or through the Service. Accounts may be obtained by individuals 18 years of age or older, who possesses a valid and active U.S. credit card, debit card, checking or savings bank account. There are no credit checks, income requirements or employment requirements to obtain an Account. There are also no restrictions applicable to those with past bankruptcy history.
Accounts: To obtain an Account, you must submit an application to Horizon Card Services™ to qualify for an Account. When you apply for an Account, you agree to provide accurate, current and complete information about yourself ("Application Data") as prompted by our application form. You also agree that Horizon Card Services™ reserves the right to debit or charge your checking account or debit card/credit card the full amount and or any portion of the full amount as not to exceed the advertised amount. In the event we are unable to capture the full amount from your credit or debit card as you requested, we may, within 7 to 60 days, attempt to reprocess your request for any amount up to the original processing amount. You will be notified by e-mail upon approval. You also represent that we may rely on your submitted Application Data as accurate, current and complete. You agree to maintain and update your Application Data to keep it as accurate, current and complete as possible. Horizon Card Services™ reserves the right, in its sole discretion, to terminate your Account for inaccurate, untrue, deceptive and/or incomplete Application Data. In order to update your Application Data, please access and update your online profile. You understand that by submitting an application to Horizon Card Services™, you are not guaranteed to obtain an Account. Horizon Card Services™ reserves the right, in its sole discretion, to accept or reject any application for any reason, or for no reason, whatsoever.
Incomplete Applications: By clicking 'submit' on the application page located at www.HorizonCardServices.com, you grant permission to Horizon Card Services™ to contact you, when necessary, via e-mail or telephone to complete your application. If Horizon Card Services™ approves your application; you will receive an e-mail confirming your application approval and your associated username and password information ('Login') information. Once you receive this Login information, you may make immediate use of the Service.
Disclosure of Costs, Fees, and Rates:
Creditor: Horizon Card Services
Amount financed and itemization: Equal to the value of the Account holder's open balance.
Shipping: Additional shipping and handling costs may apply depending on customer's location. It is the customer's responsibility to insure that the address provided is an address that can accept delivery of merchandise. The Horizon Outlet is not responsible for returned shipments due to non-deliverability for any reason. Items subsequently requiring re-shipment will be re-charged the original shipping fee, plus any applicable handling fees. Payment schedule: The payment schedule will vary depending upon the purchase cost of all goods purchased by the Account holder and the amount and frequency of payments. Account holder is required to make a specified minimum payment each month (in most cases, 5% of the outstanding balance).
Processing Fees: Varies per item purchased.
Outlet Store Delivery Signature Verification: $2.50
Outlet Store Residential Delivery: $2.00
Total of payments: Equal to the purchase cost of all goods purchased by the Account Holder.
Total sale price: Equal to the purchase cost of all goods purchased by the Account Holder.
Prepayment: No penalties for prepayment.
One time Card Issuance and Account Validation fee: $10.00
Fee for returned checks or debits, second NSF: $25.00
Monthly maintenance fee: $6.00 (This fee is waived to all active Horizon Card Services members).
Shipping and processing fees are required to be paid in full by customer prior to items being shipped. A $2.50 charge will be added to for shipment signature verification. Shipping and processing fees are non-refundable. Orders cannot be shipped to addresses other than what is listed on the customer's account. By purchasing items from The Horizon Outlet, customer fully understands and agrees to all policies. The Horizon Outlet will replace defective item(s) only at no charge to customer. (Less shipping and processing). The merchandise must be defective upon customer receiving it. The Horizon Outlet has the right to refuse refunds if the customer changes his/her mind and it is determined that the customer has caused the damage to the item(s). Horizon Card Services reserves the right to limit item quantities per order and all orders are subject to quantity restrictions.
ACH Debits: If any Automated Clearing House ('ACH') or Remotely Created Check ('RCC') debit request for a fee associated with your Account is returned due to non-sufficient funds available in your bank account, Horizon Card Services™ may attempt to collect the applicable fee by automatically resubmitting to your bank subsequent ACH or RCC debits. Any subsequent debit attempts by Horizon Card Services™ will not exceed the original fee amount. Furthermore, you understand and agree that if Horizon Card Services™ is unable to obtain payment from your bank, Horizon Card Services™ reserves the right to immediately terminate your Account or reduce your available credit until a consistent payment history has been established.
Credit Bureau Reporting: Horizon Card Services™ will report your new Horizon Card Services/Horizon Outlet Account to at least one major credit bureau upon receiving positive confirmation of your identity. In order to confirm your identity, you may be required to send Horizon Card Services™ additional information. The Horizon Card Services Account does not guarantee aid in building or re-building credit, or to the posting of any positive references to any credit report. Due to circumstance beyond our control, it may take up to 60 days for your Horizon Card Services information to appear on your credit report.
Purchases and Monthly Billing: You will be electronically/paper billed monthly for the minimum payment due on your Horizon Card Services account. For ease and convenience, our E-Bill feature is designed to send invoices to the email address we have on file for each monthly billing cycle. Only account holders that are in good standing may make purchases at the Website and receive additional account holder’s benefits. On occasion, a product or products that you order may be out of stock from our suppliers. In that event, all pre-paid funds, for your convenience, will be automatically applied as a credit to your Horizon Card Services account.
Your Promise to Pay: You agree to pay the minimum payment due shown on each monthly electronic bill/paper statement. All payments must be received on the date indicated on the electronic bill/paper statement. Horizon Card Services account holders are responsible for maintaining a valid email address on their account.
Application of Payments Received: Payments received are always applied to any unpaid balance. Payments are applied toward purchases in the same order that they were made, older purchases first.
Minimum Monthly Payment: The minimum monthly payment for any given month (as long as your account shows an outstanding balance) is the greater of: a) 5% of the account balance owed immediately following any purchase made to your account; or b) $10.00. The minimum monthly payment does not automatically decrease as your account balance decreases. Notwithstanding the foregoing, should your new balance be less than $10.00, the minimum payment due will be the total amount of the new balance.
Default: Your Account will be considered in default status if: a) you fail to pay the minimum monthly payment when due; or b) you breach any of the terms and conditions of this Agreement. If your Account is in default, in compliance with applicable law, Horizon Card Services™ may: a) demand that you immediately pay the entire unpaid balance on your Account; b) apply monies received on subsequent purchases to any delinquent account balance owed; and/or c) proceed with legal action to collect any unpaid amounts.
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