Key takeaways
- The Group One Platinum card offers a $750 credit limit and 0% APR so you can make purchases without the burden of high interest rates.
- The card is exclusively for Horizon Outlets. It offers membership benefits including special offers, prescription discounts, credit score monitoring, and roadside assistance.
- Consumers should carefully consider the card’s fees and restrictions to determine if it aligns with their financial needs and spending habits.
The Group One Platinum card, issued by Horizon Outlets, is an excellent option for individuals with poor or limited credit. It offers an unsecured line of credit up to $750 with instant approval, requiring neither a credit check nor an employment check. The only requirement is an active credit card or debit card. This card is designed to help those who need to rebuild their credit without the typical obstacles.
If you are interested in discovering more about the features and benefits of the Group One Platinum card, continue reading to find out how it can assist you in improving your financial situation.
What We Like About Group One Platinum
Get a $750 Credit Line
The Group One Platinum Merchandise Card is notable for offering a $750 credit line, which is exceptionally high for an unsecured card aimed at individuals with bad credit. This generous credit line is a significant advantage, providing users with a substantial amount of purchasing power. Although the card can only be used at the Horizon Outlet website, this limitation is mitigated by the wide range of affordable products available.
Horizon Outlets features a diverse selection, including home decor, toys, clothes, and other household essentials. With such a variety of items, everyone is sure to find something they like, making this card a practical choice for those looking to rebuild their credit while enjoying a shopping experience. Additionally, the card’s easy approval process, requiring no credit or employment checks, makes it accessible to a broad audience. If you’re seeking to improve your credit score and enjoy a diverse shopping experience, the Group One Platinum Merchandise Card is a great option to consider.
Credit Made Accessible
Group One Platinum takes pride in making credit accessible to a wide range of individuals, especially those who have faced challenges obtaining credit elsewhere. This card is an excellent choice if you’ve struggled with credit approval in the past.
Unlike many other credit cards, Group One Platinum doesn’t check your credit score or your employment status during the application process. They will even accept applicants who have had a past bankruptcy, making it a viable option for those working to rebuild their financial standing.
To apply, you simply need to be over 18 years old, a U.S. resident, and possess an active credit or debit card. This card is particularly beneficial for people with no credit history or poor credit who cannot get approved for other cards. By offering an accessible and inclusive application process, Group One Platinum ensures that more people have the opportunity to establish or improve their credit profiles.
Try Before You Buy
You can try the card for free for 7 days before fully committing to it! Then, cancel without paying fees. During these 7 days, you can take advantage of the $750 credit line to make purchases and get a feel for how the card fits your needs and lifestyle. If you decide that the card isn’t right for you, you can cancel at any time within this period without incurring any fees. This risk-free trial is an excellent opportunity to assess whether the Group One Platinum card aligns with your financial goals and shopping preferences.
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Instant Access to Credit
One of the most attractive aspects of the Group One Platinum card is the instant access to credit it provides. You can apply online and receive approval within minutes, making it incredibly convenient for those in need of immediate financial flexibility. The application process is straightforward, requiring only basic personal information such as your Social Security Number, annual income, and address.
Once approved, your card will be sent to you promptly. Upon receiving it, simply activate your card, and you can start using it right away. This quick and hassle-free process allows you to access the $750 credit line without any delays. Whether you need to make urgent purchases or start building your credit history, the Group One Platinum card offers a seamless and efficient solution. This immediate access to credit, combined with the ease of application, makes the Group One Platinum card an excellent option for those seeking a quick and effective way to manage their finances.
Group One Platinum’s Membership Benefits
Besides access to a line of credit, Group One offers members a few benefits that bring peace of mind and savings.
1. 24/7 Roadside Assistance
The Group One Platinum card provides peace of mind with its 24/7 roadside assistance, ensuring that help is available anytime and anywhere if your vehicle breaks down. Members receive one service call or towing request every thirty days, with a maximum of three within twelve months, offering reliable support during emergencies.
2. Legal Assistance
An uncommon but highly beneficial feature of the Group One Platinum card is the legal assistance benefit. It includes one free thirty-minute consultation with a legal professional in your area of interest, providing invaluable support during unexpected moments that require legal advice or intervention.
3. Unique RX
Unique RX is a prescription discount program offering up to 50% off medications at over 55,000 pharmacies nationwide. This benefit can lead to significant savings on medications, making it a crucial feature for individuals with regular medicinal needs, ensuring affordable access to essential prescriptions.
4. Credit Hawk
Credit Hawk is an exclusive service from Group One Platinum, allowing cardholders to monitor their credit score, view their annual credit report, and stay informed about their credit health. Additionally, Credit Hawk provides peace of mind with up to $1,000,000 in Identity Theft Insurance, protecting your credit effectively.
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Enjoy a 0% APR
Another major highlight of the Group One Platinum card is its permanent 0% APR, a feature that is truly rare in the credit card market. Unlike many credit cards that offer 0% APR only for a limited promotional period, this card maintains the 0% APR indefinitely. This is particularly advantageous for cardholders who plan on carrying a balance from month to month, as they will never be charged interest on their purchases.
With the Group One Platinum card, you can use your credit line without the worry of accumulating interest, ensuring that you only pay for what you buy. This can lead to significant savings over time, especially for those who typically carry a balance on their cards. The elimination of pesky interest payments makes this card an excellent financial tool for managing expenses and budgeting effectively, providing cardholders with a straightforward and cost-effective credit solution.
My Application Went Thru Quickly
“I just got the card last week after applying for it I think maybe a little over a month ago. I never got a card so fast. It was all very much easier than I thought. I didn’t use it just yet but I visit the horizon outlet pretty often so that’s why I applied for the Group One Platinum Card.” Monica TWhat to Watch Out for with Group One Platinum
Manageable Monthly Fee
While the Group One Platinum card offers numerous benefits, it’s important to be aware of the associated costs, particularly the monthly maintenance fee. The card charges a monthly fee of $14.77, which totals $177.24 annually. Additionally, cardholders are required to make minimum monthly payments of at least 10% of their balance or $25, whichever amount is greater. These costs can add up over time, so it’s crucial to carefully evaluate whether the benefits provided by the card outweigh the expenses involved in maintaining it.
Consider the value of features such as the $750 credit line, the 0% APR, the RX prescription discount program, 24/7 roadside assistance, and the Credit Hawk monitoring service. By weighing these benefits against the monthly and annual fees, you can make an informed decision about whether the Group One Platinum card is the right financial tool for your needs. Always ensure that the card aligns with your financial goals and budget before applying.
No More Credit Reporting
The Group One Platinum card no longer reports to the three major credit bureaus, which means that even if you pay all your bills on time, this card will not help you improve your credit score. While this might be seen as a downside for those looking to build or repair their credit history, it also offers certain advantages in terms of flexibility and privacy. Since your credit activities with this card are not reported, you can use it without worrying about the impact on your credit score.
This makes the Group One Platinum card a good option if you’re primarily interested in its other benefits, such as the $750 credit line, 0% APR, 24/7 roadside assistance, prescription discounts, and legal consultation services. Additionally, for individuals who prefer to maintain their credit invisibility and avoid any potential negative impact on their credit reports, this card provides a convenient and low-risk financial tool. Thus, the Group One Platinum card can be an excellent choice for those who value privacy and the practical benefits it offers over traditional credit-building opportunities.
Limited Usability
One important consideration with the Group One Platinum card is its limited usability. Unlike traditional credit cards that can be used at a wide range of retailers and service providers, the Group One Platinum card can only be used for purchases made through the Horizon Outlet website. This restriction significantly narrows the scope of where you can utilize your credit line, limiting it to the products available on this specific platform.
While the Horizon Outlet does offer a variety of items, including home decor, toys, clothing, and more, it may not meet all of your shopping needs. Therefore, it’s crucial to evaluate whether the product selection aligns with your purchasing habits and preferences. If you require a credit card for broader use, this limitation might be a significant drawback. However, if you find the Horizon Outlet’s offerings sufficient, the Group One Platinum card can still be a valuable tool for managing your expenses and taking advantage of its benefits.
Final Thoughts
With minimal requirements, almost anyone can obtain the Group One Platinum card, making it an accessible option for many. This card offers a wide array of benefits, including a substantial $750 credit line, significant discounts on prescription drugs, access to legal services, and credit monitoring through the exclusive Credit Hawk service. For individuals with poor or limited credit, the Group One Platinum card provides a fast and easy application process, requiring no credit check or employment verification. This accessibility ensures that even those who have faced difficulties securing credit elsewhere can benefit from its features.
Whether you’re seeking to manage your expenses with a generous credit line, save on healthcare costs, or gain access to professional legal advice, the Group One Platinum card delivers a comprehensive suite of advantages. If you’re looking for a convenient and beneficial credit option, the Group One Platinum card might be exactly what you need.
