I have found some search results about the Group One Freedom Credit Card review that you might find useful. Based on the information I found, the Group One Freedom Credit Card is a credit card that is designed for people who have poor or no credit history and have been rejected by other credit cards in the past.

This card is issued by Horizon Card Services. The Group One Freedom Credit Card offers instant approval with a credit line of $750 that can only be used at the HorizonOutlet.com. There is no employment or credit check required to apply for this card.

Key Takeaways

The Group One Freedom Credit Card is designed for people with poor or no credit history.
The card offers instant approval with a credit line of $750 that can only be used at the HorizonOutlet.com.
The card has both pros and cons, such as helping people to rebuild their credit but also having associated fees.

Overview of Group One Freedom Credit Card

The Group One Freedom Credit Card is a shopping credit card offered by Horizon Card Services. It is designed to help people with bad credit history who have been rejected by other credit card companies in the past. The card is easy to apply for, and it doesn’t require a credit check or employment verification.

Upon approval, you will receive a credit line of $750, which you can use to make purchases at the Horizon Outlet website. You will also get a 7-day free trial period to test the card before you start paying the annual fee.

One of the benefits of the Group One Freedom Credit Card is that it reports to major credit bureaus, which means that if you use it responsibly, you can improve your credit score over time. However, it’s important to note that this card has a high APR of 29.99% variable on purchases, so it’s best to pay off your balance in full each month to avoid accruing interest charges.

Overall, the Group One Freedom Credit Card is a good option for people with bad credit who need a credit card to make purchases and improve their credit score. However, it’s important to use it responsibly and pay off your balance in full each month to avoid high interest charges.

Card Features

Rewards System

The Group One Freedom Shopping Card offers a $750 credit line upon approval and does not require a credit check. However, it is important to note that this credit is only usable at the Horizon Outlet website. Additionally, the card offers a 7-day free trial and does not require an employment check.

Interest Rates

The Group One Freedom Shopping Card has a variable purchase APR of 0%, which is a great feature for those looking to save on interest charges. However, it is important to note that this APR can change based on market conditions and other factors.

Fees

One of the benefits of the Group One Freedom Shopping Card is that it does not require any credit check or employment check. However, there are some fees associated with the card that users should be aware of. These fees include a $5 monthly maintenance fee and a $30 returned payment fee. Additionally, there is a $20 fee for rush delivery of a replacement card.

Pros and Cons

Benefits

The Group One Freedom Card has a few benefits that make it an appealing option for those with poor credit history. Here are a few of them:

No credit check: The card doesn’t require a credit check, which means that even if you have a poor credit score, you can still be approved for the card.
No employment check: Unlike other credit cards, the Group One Freedom Card doesn’t require you to provide proof of employment, making it easier to get approved.
No interest: The card offers a 0% APR, which means that you won’t have to pay any interest on your purchases.
Credit limit increase: The card offers a credit limit of $750, which can be increased over time if you make your payments on time.
Easy application process: Applying for the card is quick and easy, and you can do it online.

Drawbacks

While the Group One Freedom Card has some benefits, it also has a few drawbacks that you should be aware of before applying for the card. Here are a few of them:

High fees: The card comes with a number of fees, including an application fee and a monthly maintenance fee, which can add up over time.
Limited use: The card can only be used to purchase items from the Group One catalog, which may not have a wide variety of products to choose from.
No credit reporting: As of January 2022, Group One Platinum (and all Horizon Card Services cards) have stopped reporting to credit bureaus, so using the card won’t help you improve your credit score.

Overall, the Group One Freedom Card can be a good option for those with poor credit who are looking to make purchases from the Group One catalog. However, it’s important to be aware of the fees and limitations of the card before applying.

Application Process

To apply for the Group One Freedom Card, I visited the Credit-Land.com website and filled out the online application form. The application process was straightforward and easy to follow. I was required to provide my personal information, including my name, address, and social security number.

One of the benefits of the Group One Freedom Card is that it does not require a credit check. This means that even if I have a poor credit history, I may still be approved for the card. However, I was required to have an active debit or credit card to qualify for the card.

After submitting my application, I received an immediate response with my credit line. I was approved for a $750 credit line, which I could use exclusively at theHorizonOutlet.com. The card also offers a 7-day risk-free trial, which allowed me to try out the card and decide if it was right for me.

Overall, the application process for the Group One Freedom Card was simple and straightforward. The lack of a credit check and the immediate response with my credit line were both major benefits of the card.

Customer Service

In my experience, the customer service for the Group One Freedom Card has been satisfactory. They offer a toll-free number that is available 24/7, which is convenient for those who need assistance outside of regular business hours.

I found the representatives to be knowledgeable and able to answer my questions in a clear and concise manner. They were also friendly and patient, which made the experience more pleasant.

However, some users have reported longer wait times when calling customer service, which can be frustrating. Additionally, there have been a few complaints about difficulty resolving issues with the card or billing.

Overall, while my personal experience with customer service was positive, it’s important to keep in mind that there have been some negative reports from other users. If you do encounter any issues, it may take some persistence to get them resolved.

Security Features

The Group One Freedom Card offers several security features to protect its users from fraudulent activities. One of the main features is the Zero Fraud Liability protection. This means that the cardholder is not responsible for any unauthorized transactions made on their card. If the card is lost or stolen, the user can report it immediately to the customer service department to prevent any unauthorized transactions.

Another security feature is the 24/7 monitoring of the user’s account. This ensures that any suspicious activity is detected and reported immediately. The user can also set up alerts to notify them of any transactions made on their card, allowing them to keep track of their spending and detect any unauthorized transactions.

The Group One Freedom Card also uses encryption technology to secure the user’s personal and financial information. This prevents any unauthorized access to the data, ensuring that the user’s information is safe and secure.

In addition, the Group One Freedom Card does not require a credit check or employment verification to obtain the card, making it accessible to individuals with poor credit history. However, this also means that the card may be more susceptible to fraudulent activities, so it is important for users to be vigilant and report any suspicious activity immediately.

Overall, the Group One Freedom Card offers several security features to protect its users from fraudulent activities. With Zero Fraud Liability protection, 24/7 monitoring, encryption technology, and more, users can feel confident that their personal and financial information is safe and secure.

Sure, here’s the section:

Comparison with Other Credit Cards

When it comes to credit cards, there are many options available in the market. In this section, I will compare the Group One Freedom Credit Card with some other popular credit cards.

Group One Freedom Credit Card vs Chase Freedom Unlimited

The Chase Freedom Unlimited is another popular cashback credit card. It offers a flat 1.5% cashback on all purchases, with no annual fee. However, the Group One Freedom Credit Card has a higher cashback rate of up to 5% on select categories, which can be more beneficial for those who spend a lot in those categories. Additionally, the Group One Freedom Credit Card has a lower APR range compared to the Chase Freedom Unlimited.

Group One Freedom Credit Card vs Discover it Cash Back

The Discover it Cash Back is another popular cashback credit card that offers up to 5% cashback on rotating categories, with no annual fee. However, the Group One Freedom Credit Card has a more flexible cashback program that allows users to choose their own categories for higher cashback rates. Additionally, the Group One Freedom Credit Card has a lower APR range compared to the Discover it Cash Back.

Group One Freedom Credit Card vs Citi Double Cash

The Citi Double Cash is a cashback credit card that offers 2% cashback on all purchases, with no annual fee. While the cashback rate is lower compared to the Group One Freedom Credit Card, the Citi Double Cash has a longer 0% APR introductory period for balance transfers and a lower balance transfer fee. However, the Group One Freedom Credit Card offers a more flexible cashback program with higher rates in select categories.

Overall, the Group One Freedom Credit Card offers a competitive cashback program with flexible options. However, depending on individual spending habits and needs, other credit cards may be more suitable.

Frequently Asked Questions

What is Group One Freedom Card?

The Group One Freedom Card is a credit card offered by Horizon Card Services that is designed to help individuals with poor or fair credit improve their credit score. The card comes with a monthly fee and can only be used at the Horizon Outlet.

Is Group One Platinum a legitimate company?

Yes, Group One Platinum is a legitimate company that offers credit cards to individuals with poor or fair credit. However, it is important to note that the company charges a monthly fee and the credit line can only be used at the Horizon Outlet.

What credit score do you need for Chase Freedom unlimited credit card?

To be approved for the Chase Freedom Unlimited credit card, you typically need a good to excellent credit score, which is generally considered to be a score of 670 or higher.

Is the Chase Freedom unlimited card hard to get?

The Chase Freedom Unlimited credit card can be difficult to get if you have poor or fair credit. However, if you have a good to excellent credit score, you may be more likely to be approved for the card.

What are the benefits of Supermoney credit cards?

Supermoney credit cards offer a variety of benefits, including potentially lower than average purchase APRs, the ability to earn rewards and cash back, and access to credit-building tools and resources.

How does Upgrade Triple Cash Rewards Visa compare to other credit cards for bad credit?

Compared to other credit cards for bad credit, the Upgrade Triple Cash Rewards Visa offers a higher cash back rate on purchases, with the potential to earn up to 3% cash back on select categories. Additionally, the card offers access to credit-building tools and resources to help you improve your credit score over time.