I applied for this card because it said absolutely free, and i wanted to see if qualified, I didn't think anything of it until i got an over draft noticed.So when i called my bank not only did horizon took$29.95 i did not approved it cause my acccount over draft fees.I am not happy about this when i tried to call to fix this matter i couldn't get a hold of anyone. I would like my money back i did not approve to be tooken and my overdraft fees to be fixed.I have already made a fraud claim and if i have to seek legal help to take care of this matter i will.