I have read many of the complaints listed at this site about horizon gold, I only wish I had seen them when I also payed 79.00 to get my card also thinking like so many others that this was a credit card (visa or mastercard but it was not Ive never used this card and ive had it since 2007 it is a scam to get people to buy things from their company and then charge you interest on this crap they want to sell you although they do report this to a credit bureou (ive seen it on my credit report) they were decieving in the way they get peaple to... read full review »