Horizon Card Services

A Net First Platinum card is a so-called “merchandise card,” which you can only use for purchases from a single online catalog. Net First Platinum is designed for use at the Horizon Outlet, which sells clothing, cookware, tools, toys, and more.

The Net First Platinum card is easy to get. It doesn't do a pull of your credit report or check whether you're employed. It also offers a $750 credit line, which can look attractive to people with bad credit. But the card's restricted use and narrow range of products may still make it a less appealing choice for many.

What You Should Know About the Net First Platinum Card

• It's a “merchandise card” that works only at Horizon Outlet.
• You can use the card to purchase goods from clothes and toys to tools and books. But you won't find many major manufacturers among the choices.
• The card doesn't do a credit pull when you apply, so mistakes from the past won't keep you from getting it. The application doesn't ask whether you're employed either.
• The Net First Platinum card offers a $750 credit limit to everyone who is accepted.
• The card does not report information about your account to the credit bureaus.
• The card's APR is 0%, plus there is a $0 annual fee, and a $0 monthly fee, as well.

So, while you can only use the card at an online outlet with a limited selection of goods, the lack of APR, monthly, one-time, or annual fees may make it a reasonable option for some shoppers.

If you have bad credit and need a credit card, you can also check out our editors' latest picks for the best credit cards for bad credit and weigh your options.

No, you cannot use your Net First Platinum anywhere you want. The Net First Platinum is a store card, which means it is not backed by any major credit card network and only works at affiliated locations.

Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The Net First Platinum offers a low regular APR. It also has an annual fee of $0.

You can learn more about the best store credit cards...

You cannot get a cash advance with Net First Platinum. The Net First Platinum can only be used for purchases and only at the Horizon Outlet.

The fact that Net First Platinum cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may...

To cancel a Horizon Card Services Credit Card, call customer service at 1 (800) 251-6144 and ask a customer service rep to cancel your card account.

Be aware that if there's a balance remaining on the canceled account, you are still required to make at least the minimum payment every month until the balance is paid in full. You will also need to update the payment method for any recurring charges linked to your Horizon Card Services...

You cannot get a cash advance with Net First Platinum. The Net First Platinum can only be used for purchases and only at the Horizon Outlet.

The fact that Net First Platinum cash advances are not an option might be a good thing. Cash advances are very expensive, thanks to a cash advance fee and a high cash advance APR that apply as soon as you withdraw the cash. Also, depending on where you get the cash advance, there may...

Yes, you should be able to get approved for the Net First Platinum card after your bankruptcy is discharged. The card doesn't do a credit check when you apply, so it's easy to get. In fact, the card's website advertises guaranteed approval for applicants who are at least 18 years old and earn $150+ more than they spend per month. Just note that the Net First Platinum card does not report to the credit bureaus, so it can't help...

Yes, Net First Platinum is an actual credit card, but you don't receive a physical card upon approval, and your account activity is not reported to the credit bureaus. It should also be noted that Net First Platinum is accepted only at the Horizon Outlet website.

How Net First Platinum Works

• You receive a 16-digit card number by email after approval, which is used to access your Horizon Outlet account.
• Purchases are limited to Horizon Outlet merchandise. The...

You should get the Group One Platinum Card information sent to you via email right after approval. You can then use the card information to shop at the Horizon Outlet straight away. This is a virtual credit card, so you will not get it in the mail like you would get a plastic card.

If you haven't received your account information via email after approval, then contact customer service at (800) 251-6144.

No, the Group One Platinum Card does not report to any credit bureau. According to customer service, the card used to report to Equifax. However, as of January 2022, Equifax has stopped accepting reports coming from the Group One Platinum Card. The decision was contested by the issuer, but no resolution has been reached yet.

In the meantime, consider applying for the Amazon Secured Credit Card, instead. This card was designed for people with bad credit and it reports your account activity to...