BBB Business Review

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This business is not BBB accredited.

Horizon Card Services

Additional Locations

Phone: (800) 251-6144 Fax: (724) 599-1580 View Additional Phone Numbers 1707 Warren Rd, Indiana, PA 15701

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The company offers an unsecured credit card through mailings and the internet.  The unsecured credit card is good only for merchandise purchased from their online store. The card is not affiliated with the nationally recognized credit cards.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Horizon Card Services include:

  • 78 complaint(s) filed against business

Factors that raised the rating for Horizon Card Services include:

  • Length of time business has been operating
  • Response to 78 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

78 complaints closed with BBB in last 3 years | 11 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 12
Billing/Collection Issues 38
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 28
Total Closed Complaints 78

Additional Complaint Information

According to the Pennsylvania Department of State, Horizon Card Services filed as a business entity on September 28, 2006 with Robert Kane listed as an owner. The BBB file opened on the company December 02, 2006. Customer complaints allege that they receive an offer for what is believed to be a credit card. The company's unsecured credit card can only be used to purchase merchandise through the company's online store. Consumers claim that the merchandise is limited in number and value while requesting a refund. In some instances complainants are offered a partial refund and only after having complaints processed by the BBB does the company usually provide a full refund and an explanation of its position.

Customer Reviews Summary Read customer reviews

2 Customer Reviews on Horizon Card Services
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 1
Negative Experience 1
Total Customer Reviews 2

Additional Information

BBB file opened: December 07, 2006 Business started: 04/22/2005 in PA Business started locally: 04/22/2005 Business incorporated 04/22/2005 in PA
Type of Entity


Business Management
Mr. Robert Kane, President Mr. Rich McDonald, Executive Vice President
Contact Information
Principal: Mr. Robert Kane, President
Principal: Mr. Rich McDonald, Executive Vice President
Business Category


Alternate Business Names
Credit Hawk Heritage Merchant Services Horizon Gold Credit Card Independence Gold Merit Platinum Net First Platinum Net Trust Platinum Reliant Holdings, Inc
Industry Tips
Internet Shopping

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.