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Key takeaways
- The Net First Platinum offers a $750 unsecured credit limit with no credit check or employment check. It can be a good option for people with poor credit.
- Cardholders get benefits such as roadside assistance, legal assistance, and prescription discounts.
- The card is exclusively for Horizon Outlets and has a monthly membership fee. Before you apply, weigh the benefits against the cost to determine if it’s worth it.
Net First Platinum is a card issued by Horizon Outlet and designed specifically to help people with poor or limited credit. The card is easy to get. It doesn’t pull your credit report or check if you’re employed. It simply offers a $750 credit line, which can be attractive if you’ve faced credit denials in the past. Continue reading to determine if the Net First Platinum card is the one you’ve been seeking.
What We Like About Net First Platinum
Get a $750 Credit Line
The Net First Platinum card offers immediate access to a $750 credit line. The line of credit applies exclusively to Horizon Outlet. The online store features an extensive catalog that includes toys, books, cookware, clothing, home decor, and many other items.
Unlock a $750 credit line today!
No employment or credit check – Easy online application – Always a 0% APR.
Fast & Easy Application
Net First Platinum simplifies and streamlines its application process. You will have to provide some general financial information including your social security number, address, and annual income. The only requirements are that you are a U.S. resident over the age of 18 and have an active credit or debit card.
Low Credit Scores Welcome
Net First Platinum considers applicants with poor or no credit history. Developers created the card to open doors for people with poor credit and let them access the line of credit they need. If you’ve faced credit denials in the past, Net First Platinum could be your potential solution.
Easily Get Credit
“They helped my husband get a credit card and he has no credit! Easy to apply and was approved quickly!” Kayla PNo Credit or Employment Check
Requiring no credit check, this card stands as an ideal option for those with poor credit history or no credit history at all. The lack of a credit check ensures that applying for the card will not affect your credit score. In addition to not conducting a credit check, the card also skips the employment check. This feature offers a significant advantage to freelancers, self-employed individuals, or those between jobs.
Enjoy a 0% APR
Net First Platinum provides an appealing 0% APR, ensuring that you never face interest charges on your purchases. Regular credit cards will never offer a 0% APR. You may find credit cards with a 0% APR as a temporary promotion, but after a year or so, the APR will shoot up to at least 17%. If you intend to carry a balance, Net First Platinum’s 0% APR is particularly advantageous and can save you significant money.
Horizon Benefits
The Net First Platinum card offers more than just credit; it also enhances your experience with its Horizon Benefits. These benefits encompass a variety of services tailored to add value.
My Universal RX: Provides discounts of up to 50% off prescription medications at participating pharmacies, making healthcare more affordable.
My Privacy Protection: Assists with identity theft recovery and credit monitoring. You receive unlimited privacy protection and a free credit report.
New
My Legal Assistance: Legal issues can arise unexpectedly, and this benefit gives you access to one free 30-minute consultation session with a legal expert in your area of interest.
My Roadside Protect: Get 24/7 roadside assistance for emergencies including flat tires, dead batteries, and towing.
Try for FREE
Net First Platinum allows you to test it out with a 7-day free trial. During this trial, you can evaluate the card’s features and make purchases at the Horizon Outlet. If you’re not fully satisfied, you can easily cancel the card without paying any fees. You will have to pay the value of any items you purchase from Horizon Outlet.
Have you been denied credit in the past?
We have a solution for you. Get a $750 credit line with no employment or credit check. Only a fast and easy online application.
What to Watch Out for with Net First Platinum
A Few Fees
While offering several benefits, the card also imposes some fees, as no cards are ever completely free. Net First Platinum charges a monthly maintenance fee of $14.77, totaling $177.24 annually. Additionally, it requires a monthly minimum payment of $25 or 10% of your balance, a structure more favorable than incurring interest charges on credit card balances. Before applying, actively review the recurring charges and evaluate whether the benefits outweigh the costs.
No Credit Bureau Reporting
Net First Platinum chooses not to report to any of the three major credit bureaus. This is a plus if you prefer your card usage to remain off your credit report. However, this approach means that using this card won’t contribute to building or improving your credit score, a primary goal for many people with poor or limited credit.
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Final Thoughts
The Net First Platinum card presents a mixed bag of features. It’s an excellent option for those who are struggling with low credit scores or need an immediate credit line without the hassle of credit checks. However, the lack of credit bureau reporting and the monthly fees are significant considerations. As with any financial product, it’s crucial to weigh the pros and cons based on your personal financial situation and goals.
