If you need help with Horizon Gold Card customer service, Horizon Card Services, The Horizon Outlet, membership cancellation, billing, a refund request, login problems, a 16-digit shopping card number, account payments, returns, shipping charges, benefit access, Customer Advocacy, or a complaint about the Horizon Gold Card, the most important thing to know is that this is not a general-use Visa, Mastercard, or debit card. Horizon Card Services says the account can only be used to shop at TheHorizonOutlet.com.
Verified Horizon Gold Card Customer Service Contact Information
- Horizon Card Services / Member Services: 1-800-251-6144
- Customer Service Hours: Monday-Friday, 8:30 AM-8:00 PM ET, excluding holidays
- Customer Advocacy: 1-800-837-4997
- Accessibility / Accommodation Phone: 1-800-822-9569
- Member Benefits Email: memberservices@horizoncardservices.com
- Horizon Outlet Contact Page: Contact Horizon Outlet
- Horizon Outlet Login: Horizon Outlet Account Login
- Horizon Outlet FAQ: Horizon Outlet FAQ
- Terms and Pricing Summary: Horizon Card Services Terms
- Member Benefit Access: MemberBenefitAccess.com
- Reliant Holdings Website: ReliantHoldings.com
- Corporate / Correspondence Address: Reliant Holdings, Inc. / Horizon Card Services, 1707 Warren Road, Indiana, PA 15701
- Return Address Listed in FAQ: P.O. Box 1275, Indiana, PA 15701
- Official Shopping Website: TheHorizonOutlet.com
Important: Horizon Gold Card Is Not a Regular Credit Card
The Horizon Gold Card / Horizon Card Services account should not be confused with a traditional bank credit card. Horizon’s terms say the account is not a Visa, Mastercard, or debit card. It can be used only for purchases through The Horizon Outlet.
Horizon’s terms also say the account does not currently report to any credit bureau. Customers who are trying to build credit should read the terms carefully and compare the product with secured credit cards, credit-builder accounts, or cards that clearly report to the major credit bureaus.
Choose the Correct Horizon Gold Card Support Route
Horizon Card Services support depends on whether your issue involves cancellation, monthly membership fees, a Horizon Outlet balance, login problems, returns, benefits, shipping charges, or a refund request.
- Cancel membership or close account: Call 1-800-251-6144 or use MemberBenefitAccess.com if available.
- Billing, membership fee, balance, or monthly payment: Log in to The Horizon Outlet or call 1-800-251-6144.
- Customer Advocacy escalation: Call 1-800-837-4997.
- Login problem: Use your 16-digit shopping card number or email address and ZIP code/password, then use account recovery if needed.
- Order cancellation: Call 1-800-251-6144 or email member services.
- Return or refund issue: Review the return authorization form included with your order and the Horizon Outlet return policy.
- Roadside assistance, legal assistance, RX discount, or credit monitoring benefit: Use MemberBenefitAccess.com or call 1-800-251-6144.
- Accessibility accommodation: Call 1-800-822-9569 or email member services.
- Unauthorized charge or debit-card issue: Contact Horizon Card Services and your bank or card issuer promptly.
Information To Gather Before Contacting Horizon Card Services
Having the correct account and payment information ready can help Horizon locate your membership, shopping account, order, or billing issue faster.
- Full name on the account
- 16-digit shopping card number, if available
- Email address used for the account
- ZIP code on the account
- Bank account, debit card, or payment method used for fees or shipping
- Date and amount of the charge you are questioning
- Order number, tracking number, or return authorization form
- Horizon Outlet balance or minimum payment notice
- Membership fee shown under Account Details
- Cancellation confirmation, email, screenshot, or case number
- Bank statement showing the disputed charge, with private numbers covered
- Previous calls, emails, or Customer Advocacy notes
Common Reasons Customers Contact Horizon Gold Card
- Canceling a Horizon Gold Card or Horizon Card Services membership
- Unexpected monthly membership fee
- Refund request
- Account closure request
- Unable to log in
- Missing or unknown 16-digit shopping card number
- Card does not work outside The Horizon Outlet
- Question about whether the account reports to credit bureaus
- Balance or minimum payment issue
- Shipping fee confusion
- Order cancellation
- Return authorization or refund timing
- Roadside assistance, legal assistance, RX discount, or credit monitoring issue
- Unauthorized bank or debit-card charge
Canceling Horizon Gold Card or Horizon Card Services
Horizon’s terms say customers may cancel their membership at any time. To cancel, call Member Services at 1-800-251-6144, Monday-Friday from 8:30 AM-8:00 PM ET, excluding holidays, or use MemberBenefitAccess.com if online cancellation is available for your account.
If you cancel your membership, Horizon says you lose member benefits and access to new purchases immediately after cancellation. If you still owe a balance from prior purchases, you may still be required to pay your Horizon Outlet account balance under the account terms.
After canceling, ask for written confirmation and save the confirmation number, email, screenshot, or letter. If charges continue after cancellation, contact Horizon Card Services and your bank or card issuer promptly.
Billing, Monthly Fees, and Minimum Payments
Horizon’s terms say monthly membership fees are charged to the customer’s bank account and appear on the bank statement as Horizon Card Services. The current terms direct customers to log in to see their membership fee amount.
For purchases made through The Horizon Outlet, Horizon says the minimum monthly payment is $25, or the full account balance if less than $25. Payments are applied to unpaid balances, and customers may pay the full balance at any time.
Credit Reporting and Credit-Building Claims
Customers should be careful with credit-building assumptions. Horizon’s current terms say the Horizon Card Services account does not currently report to any credit bureau. That means the account may not help build credit in the same way as a secured credit card or credit-builder account that reports to Equifax, Experian, or TransUnion.
Before applying or keeping the account, review whether your goal is access to The Horizon Outlet, member benefits, or building credit. If your main goal is credit building, compare this product with accounts that clearly disclose credit-bureau reporting.
Using the Card at The Horizon Outlet
Horizon says the account is used exclusively at TheHorizonOutlet.com. Customers log in with the 16-digit shopping card number or email address and their password. First-time users may need the 16-digit card number and ZIP code to create or access the account.
The account cannot be used at other stores, grocery stores, gas stations, online retailers, hotels, restaurants, or ATM machines. It is not a general-purpose credit card.
Shipping Fees and Checkout Charges
Horizon says shipping fees must be paid separately with a valid U.S. credit card or debit card. The Horizon Card Services account cannot be used to pay shipping fees. The amount of the shipping charge should be shown at checkout before submitting the order.
If the checkout charge is higher than expected, review the item price, shipping, tax, added products, membership fee, and benefit charges before submitting payment.
Returns and Refunds
Horizon’s FAQ says The Horizon Outlet has a 30-day return policy. A return authorization form should be included in the order. Customers are required to fill out the form, list the item being returned and the reason, and pay for return shipping.
The FAQ lists the return address as P.O. Box 1275, Indiana, PA 15701. Keep tracking until the return is processed. If an order is canceled, the FAQ says standard shipping-fee refunds may take 3-5 business days.
Order Cancellation and Tracking
If you want to cancel an order, call 1-800-251-6144 or email member services as soon as possible. If the order has already shipped, you may need to follow the return process instead.
Tracking information is emailed when available. If you cannot find the tracking email, check spam and junk folders and make sure emails from HorizonCardServices.com are not blocked.
Login Problems and Missing Card Number
Horizon Outlet login issues are a common complaint. First-time users may need the 16-digit shopping card number and ZIP code. After the first successful login, customers may be able to use either the 16-digit shopping card number or the email address on the account.
If you cannot log in, try the official login page, verify the email and ZIP code, clear browser cache, enable cookies, and use account recovery. If the card number is missing or the login still fails, call 1-800-251-6144.
Member Benefits: Roadside, Legal, RX, and Credit Monitoring
Horizon Card Services membership may include benefits such as Roadside Assistance, Identity IQ credit monitoring, My Universal RX prescription discount, and legal assistance. Access and limits depend on the membership and account status.
The member benefits FAQ says roadside and legal assistance may have usage limits, and benefits generally require the account to be open, active, and in good standing. Review the limits before relying on any benefit in an emergency.
Customer Advocacy
Horizon’s terms list a Customer Advocacy department for customers who feel they are not receiving the expected customer care. Customer Advocacy is listed at 1-800-837-4997, Monday-Friday from 8:30 AM-8:00 PM ET.
Use this escalation route if standard customer service does not resolve cancellation, refund, billing, account, or benefit problems. Keep notes from each call and ask for a case number or written confirmation.
Regulatory and Complaint History
Horizon Card Services / Reliant Holdings has been the subject of public regulatory attention. The Consumer Financial Protection Bureau filed a lawsuit in September 2024 against Reliant Holdings d/b/a Horizon Card Services and Robert Kane, alleging deceptive and abusive acts and violations of credit-card laws. The CFPB later voluntarily dismissed the action with prejudice in April 2025.
Consumers should read the current terms directly, understand the fee structure, confirm whether the account fits their needs, and keep written proof of cancellation, refund, and billing communications.
Watch Out for Horizon Gold Card Confusion and Payment Scams
Many complaints about shopping-card products come from confusion about whether the card can be used anywhere, whether it helps build credit, and whether fees continue after a customer stops using the account. Read the terms before applying, and do not assume this product works like a bank credit card.
- Do not confuse Horizon Card Services with Horizon Bank, Horizon Credit Union, Horizon Blue Cross Blue Shield, or other unrelated Horizon companies.
- Do not assume the card can be used at Visa or Mastercard merchants.
- Do not assume the account reports to credit bureaus unless the current terms say it does.
- Do not post your 16-digit shopping card number, bank details, debit-card details, address, or account number in public reviews.
- Beware of fake cancellation services or third-party sites claiming they can close the account for a fee.
- Verify any unfamiliar Horizon Card Services charge against your account and bank statement.
- If a charge appears unauthorized, contact Horizon Card Services and your bank or card issuer immediately.
How to Escalate a Horizon Gold Card Customer Service Problem
- Call Member Services: Start with 1-800-251-6144 during business hours.
- Use online account tools: Log in to The Horizon Outlet or MemberBenefitAccess.com to review account status, fees, balance, benefits, and payments.
- Ask for written confirmation: For cancellation, refunds, account closure, or fee disputes, request a confirmation number or email.
- Use Customer Advocacy: If regular customer service does not resolve the issue, call 1-800-837-4997.
- Document every contact: Save dates, times, names, emails, screenshots, cancellation notices, bank statements, and account screens.
- Protect private information: Do not post card numbers, bank details, account numbers, addresses, or phone numbers in public comments.
- Contact your bank if needed: If you believe an electronic debit or card charge is unauthorized, contact your bank or card issuer before the dispute deadline closes.
- Use regulator complaint channels when appropriate: If a financial-product complaint remains unresolved, consider filing a complaint with the Consumer Financial Protection Bureau or your state attorney general.
Horizon Gold Card Customer Service Reviews on CustomerServiceNumbers.com
CustomerServiceNumbers.com currently shows a 2.5 out of 5 star rating for Horizon Gold Card based on 2 reviews. The visible reviews are older, from 2018. One reviewer asked for money back and questioned whether the product was a scam, while another said they tried to use the card but could not log in.
Because the CSN review sample is small and older, it should not be treated as a complete picture of Horizon Card Services today. However, the reviews match common customer concerns for this type of product: refunds, cancellation, unexpected charges, login problems, and confusion about where the account can be used.
What To Expect When Contacting Horizon Gold Card
- Horizon Card Services customer service is listed at 1-800-251-6144.
- Current listed hours are Monday-Friday, 8:30 AM-8:00 PM ET, excluding holidays.
- Customer Advocacy is listed at 1-800-837-4997.
- The account is not a Visa, Mastercard, or debit card.
- The account can only be used at TheHorizonOutlet.com.
- Horizon’s current terms say the account does not report to any credit bureau.
- Shipping fees must be paid separately with a valid U.S. credit or debit card.
- Membership cancellation may stop new purchase access and member benefits immediately.
- You may still owe any existing balance after cancellation.
Frequently Asked Questions About Horizon Gold Card Customer Service
What is the Horizon Gold Card customer service phone number?
Horizon Card Services customer service is listed at 1-800-251-6144. Customer Advocacy is listed at 1-800-837-4997.
What are Horizon Card Services customer service hours?
Current Horizon Outlet contact information lists customer service hours as Monday-Friday, 8:30 AM-8:00 PM ET, excluding holidays.
How do I cancel Horizon Gold Card?
Call Member Services at 1-800-251-6144 or use MemberBenefitAccess.com if online cancellation is available for your account. Ask for written confirmation and save proof of cancellation.
Is Horizon Gold Card a real Visa or Mastercard?
No. Horizon’s terms say the account is not a Visa, Mastercard, or debit card. It can be used only to shop at TheHorizonOutlet.com.
Does Horizon Gold Card report to credit bureaus?
Horizon’s current terms say the Horizon Card Services account does not currently report to any credit bureau.
Can I use Horizon Gold Card anywhere?
No. The account can only be used for eligible purchases through The Horizon Outlet. It does not work at other websites, stores, gas stations, restaurants, hotels, ATMs, or general merchants.
Why do I need another card to pay shipping?
Horizon’s terms say shipping fees must be paid separately with a valid U.S. credit card or debit card. The Horizon Card Services account cannot be used to pay shipping charges.
How do I log in to The Horizon Outlet?
First-time users may need the 16-digit shopping card number and ZIP code. After the first login, customers may be able to use the shopping card number or email address on the account.
What is Horizon’s return policy?
The Horizon Outlet FAQ says there is a 30-day return policy. Customers should use the return authorization form included with the order and may be responsible for return shipping.
Where is Horizon Card Services located?
Reliant Holdings / Horizon Card Services is listed at 1707 Warren Road, Indiana, PA 15701.
Can CustomerServiceNumbers.com cancel my Horizon Gold Card?
No. CustomerServiceNumbers.com is an independent information and review website. We cannot access Horizon accounts, cancel memberships, process refunds, stop bank debits, close accounts, make payments, or contact Horizon Card Services on your behalf.
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Related Consumer Resources
- ChargeOnMyCard.com – Research unfamiliar Horizon Card Services, membership, debit-card, recurring fee, fintech, or shopping-site charges.
- ThinkItsAScam.com – Learn how to spot fake credit-card offers, cancellation scams, refund scams, and suspicious financial-product ads.
- ZeroStars.org – Read and share customer complaint experiences.
- CSNDB.com – Find chat, text, and alternative support options.
- Consumer Financial Protection Bureau Complaint Portal – File a complaint about eligible financial products or services.
- FTC Report Fraud – Report scams, imposters, and fraud attempts.
- Corporate Office Headquarters – Find corporate office contacts and complaint information.
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has been helping consumers find customer service information since 2004. CSN focuses on customer contact details, complaint paths, review experiences, and practical steps customers can take before contacting a company. This page is independent and is not affiliated with Horizon Gold Card, Horizon Card Services, Reliant Holdings, Inc., The Horizon Outlet, MemberBenefitAccess.com, IdentityIQ, Visa, Mastercard, Green Dot, PayPal, First Premier Bank, Credit One Bank, or any bank, credit bureau, or payment provider.
Share Your Horizon Gold Card Customer Service Experience
Have you contacted Horizon Gold Card or Horizon Card Services about cancellation, billing, refunds, membership fees, login problems, a 16-digit card number, shipping charges, returns, credit reporting, benefits, Customer Advocacy, unauthorized charges, or customer support response time? Share your experience below to help other customers understand how Horizon Card Services handles support requests. Please do not post card numbers, bank details, addresses, phone numbers, or account numbers.
Customer Service Numbers Disclaimer
CustomerServiceNumbers.com is not associated with Horizon Gold Card, Horizon Card Services, Reliant Holdings, Inc., The Horizon Outlet, MemberBenefitAccess.com, IdentityIQ, Visa, Mastercard, Green Dot, PayPal, First Premier Bank, Credit One Bank, or any bank, credit bureau, or payment provider. This page is provided for informational and review purposes only. Contact information, fees, account terms, cancellation rules, refund procedures, credit-reporting practices, benefit details, return policies, shipping rules, and regulatory status may change. Always verify important details directly with Horizon Card Services, Reliant Holdings, The Horizon Outlet, your bank, your card issuer, or the appropriate regulator before making financial, cancellation, billing, or account decisions.
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