DO NOT ORDER THE HORIZON GOLD CARD, MERIT PLATINUM CARD OR THE NET TRUST CARD! THIS IS A FRAUD!! IT IS NOT A VISA OR MASTERCARD AND THEY DO NOT REPORT TO THE CREDIT AGENCIES AS THEY STATE THEY DO. IF YOU SIGN UP FOR THIS CARD, YOU HAVE TO CALL CUSTOMER SERVICE AND GET A SPEECH ABOUT THE CARD THEN YOU HAVE TO BE TRANSFERRED TO A "SUPERVISOR" WHO WILL TRY TO TALK YOU INTO KEEPING IT AND ONLY GIVE YOU A PARTIAL REFUND. THIS COMPANY IS LISTED ON THE BBB WEBSITE AS UNSATISFACTORY!! read full review »