Learn how to apply for the Net First Platinum credit card
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Considering the Surge Platinum Mastercard Credit Card?
If you’re interested in the Surge Platinum Mastercard credit card, there are a few things you should know before applying.
The NetFirst Platinum Card, offered by Horizon Card Services, is a retail merchandise card that may have caught your attention. It comes with several advantages, including a 0% APR on purchases, an unsecured credit limit of $750, and no credit or employment checks.
One notable feature of the Net First Platinum credit card is that it welcomes all credit types. Even if your recent financial history is not the best, you still have a good chance of approval and a $750 credit line.
The application process for the Net First Platinum credit card is quick, and you’ll receive a response shortly after submitting your application. Horizon Card Services has simplified the application process, eliminating the need for credit checks or employment verification. The only requirements are a valid and active U.S. credit card, debit card, savings, or checking account.
It’s important to note that the Net First Platinum is a charge card, meaning you must pay your balance in full every month. As a result, it doesn’t have a regular APR or interest charges.
Who Can Apply for the Net First Platinum Credit Card?
The Net First Platinum credit card is designed for individuals with bad or no credit.
However, if you’re specifically looking to build credit, a secured card may be a better option. The Net First Platinum card does not report to any credit bureau.
How to Apply for the Net First Platinum Credit Card
Applying for the Net First Platinum credit card is a straightforward process:
- Visit the Net First Platinum card website.
- Complete the application form, providing general financial information such as your Social Security Number, address, and annual income.
- Review the information for accuracy and submit your application.
You’ll receive a response within seconds, and if approved, you’ll have instant access to your $750 merchandise credit line and other benefits.
Is the Net First Platinum Credit Card Worth It?
The Net First Platinum credit card is ideal for individuals who:
- Have bad credit or no credit history.
- Want a payment card that doesn’t require a credit or employment check.
- Desire additional benefits like roadside and legal assistance.
The card is designed to help those who struggle to find credit cards to build credit while shopping at an extensive online outlet. However, if building or rebuilding credit is your primary goal, consider applying for another credit card, as the Net First Platinum card does not report to any credit bureau.
7-Day Free Trial
One unique feature offered by Horizon Services is a 7-day trial period. New cardholders can use their NetFirst Platinum Card to make purchases at the Horizon Outlet during this period. If they are not satisfied with the experience, they can cancel and will only need to pay for the goods they purchased.
Net First Platinum Credit Card vs. Surge Platinum Mastercard Credit Card
It’s important to note that if your primary goal is to build credit, the Surge Platinum Mastercard credit card might be a better option. Unlike the Net First Platinum card, the Surge card reports to credit bureaus, helping you establish or improve your credit history.
Furthermore, the Surge Platinum Mastercard offers advantages such as a possible credit limit increase after just six months, monthly reporting to the three major credit bureaus, $0 fraud liability, and a free monthly credit score.
On the other hand, the Net First Platinum credit card has a higher annual fee of $177.24 and limited purchase options restricted to Horizon’s store. It’s worth noting that the store’s goods are not branded, making it challenging to compare prices with other retailers.
Pros of the Net First Platinum Credit Card:
- $750 merchandise credit line
- No employment or credit check
- Fast and easy application process
- Accepts individuals with bad credit
Advantages of the Surge Platinum Mastercard Credit Card:
- Open to people with less-than-perfect credit
- Possible credit limit increase after six months
- Monthly reporting to the three major credit bureaus
- $0 fraud liability
- Free monthly credit score
