Having a bad credit score can limit a lot when it comes to finances. In this Merit Platinum Card application, we’ll show you an interesting alternative to that. 

While you work your way up, it can be hard to have access to credit again without having to pay an ungodly amount of fees.

This card is not a Visa or Mastercard, but provides customers with purchasing power all the same.

For $14.77 a month, you’ll have access to an unsecured $750 credit line to shop at the Horizon Outlet online store. The card charges no APR, and there’s no activation fees.

Unfortunately, as of January of 2022, the card no longer reports monthly payments to credit bureaus.

That means it’s not a card meant for credit building. However, it offers 24/7 credit monitoring and identity theft insurance up to $1,000,000. 

You’ll also have access to other membership benefits, like roadside and legal assistance. Plus, the Merit Platinum provides a prescription discount plan for drugstore purchases. 

If you’d like to know more about how the Merit Platinum Card application process works, check the content below.

We’ll provide a complete walkthrough process so you can easily request your card. 

The Merit Platinum Card online application is very easy, and you can have a response in minutes.

Just make sure you have your details in order. You’ll also need to be over 18 years old, have a credit/debit card and a valid checking or savings account. 

First, access Merit’s official website. On the homepage, you’ll be able to notice a blank field requiring your email and zip code.

Fill out these out and check the boxes below. It’s also important to read their Fees, Rates, & Cost Disclosure before continuing.

Click on “continue activation process” and that will take you to the next page. Now, you must create your profile by entering your personal information where it’s required.

Then, inform Merit of your contact details, such as address and phone number. 

After that, you need to provide them with your financial information. Once you’ve done that, you can click on “submit my profile”.

In the next page, you’ll have to inform your SSN and provide your credit or debit card information for billing.

Finally, you can click on “activate my card now” and that is it.

Merit might require you to confirm your credit card details, but you should readily receive all the necessary info to your new Merit Platinum Card.

Unfortunately, there is no mobile app available for this card. Therefore, you can’t go through with the Merit Platinum Card application on an application.

To request the card, you’ll have to follow the steps described on the topic above. 

Horizon Card Services offers a series of different cards for your convenience.

If the Merit is not what you’re looking for, we recommend you take a look at the Group One Platinum Card.

The card also offers an unsecured credit line to shop at the Horizon Outlet and doesn’t require any credit checks.

Follow the link below to learn more about its features, perks and benefits.