The horizon gold credit card company had me to be believe that I was getting a credit card! But did not inform me before hand that with the credit card I would only be able to use it online at a outlet store that is made up by them purchaing cheap flea market merchandise. Also they have taken money from my account and i have not puchased anything from the website. I will be calling the company to have the account cancelled and to make an complaint immediatly.