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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I have had a hard time applying for a credit card and getting approved because I have ...

I have had a hard time applying for a credit card and getting approved because I have never had credit before. I have looked into secured credit cards, but I do not like them because I don’t have $300 to put down as a security deposit on the card. Please give me some information to help me better understand the Horizon Gold card.

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Leo Zhu

The  offers a $500 credit limit which can only be used for shopping at The card has an application fee and a monthly maintenance fee. There is no interest and credit activity is reported to one credit bureau. You will need an active bank account to apply for this card.

As for secured credit cards, there is the where the security deposit depends on the applicant’s creditworthiness and can be only $49, $99 or $200. Once approved, you will have 80 days to pay the security deposit.

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