Merit Platinum


  • $500.00 Unsecured credit line
  • Guaranteed Approval
  • 0% Interest
  • No Credit Check
  • No Employment Check
  • Reports to Major Credit Bureau

The Merit Platinum Merchandise Card credit line may only be used online at thehorizonoutlet.com. Please read complete terms and conditions.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit Personal See Terms* N/A* N/A* N/A* None
Important Notice: This Horizon Card Services credit card is no longer available, or we are no longer authorized by the bank to provide information about this card. We are displaying limited archived data. Some information may be incomplete, inaccurate or missing. We apologize for the inconvenience. Here are some of the most popular cards on Finance Globe:



Quick Summary:
This Store offer is issued by Horizon Card Services. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. This card does not have an APR or is not listed. Please read the disclosures regarding payment terms. Please see the application disclosures regarding the annual fee.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 411 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Horizon Card Services product.

Other Basics:
This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 411, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
There are no reviews. If you have experience, you can write one now.
It's fast and easy to compare card offers by the criteria you require. That way you get the best card for your needs. Find more credit cards.

You may also be interested in these offers: