When you become a member of something, you want exclusive benefits that are going to save you money. You want to be able to take advantage of everything that it has to offer without paying a fortune for it. This is what the Freedom Gold Card does for you; it saves you money.
The Freedom Gold card is a shopping card that provides its members with a wide range of benefits. The first benefit is the shopping. Members have access to an online store that they can easily browse in order to purchase name brand products that they want.
The credit limit that is given is enough to buy the item or items that are desired. From there, monthly payments are made. There is also a membership fee that is charged each month in order to be able to take advantage of the many benefits that are offered. This fee is small so that it is not an inconvenience to the member. With the money that is saved through the benefits, part of the cost to have the membership is offset. How much of a return is achieved depends on how often the benefits are used.
The membership benefits are rather straightforward and they are very beneficial in that they are services that can save you a great deal of money. Those services are My privacy Protection, My Universal Rx, My Roadside Protection, and My Legal Assistance. Cardholders may also be able to take advantage of Courtesy Programs. These programs may include My Fuel Savings and other programs that could be offered to the member base. They can change at any time, but they are all money saving opportunities.
For instance, My Privacy Protection gives you the ability to monitor your credit report. This is ideal if you are someone looking to rebuild your credit. Account login details are provided upon membership approval. You can then monitor your report any time that you want to.
My Universal Rx gives you unlimited participation with local pharmacies. Members can receive up to 40% savings on qualifying prescription medications. You can check the list of medications online after your membership is approved to see if your medications are covered. If they are not and you wish to save money, your physician may be able to safely switch certain medications to one that is on the plan.
My Legal Assistance allows you to get free legal advice. For instance, you can receive a 30-minute consultation on a new legal matter with a local legal professional. This will help you find a quality attorney to help you with your matter. Criminal defense matters are excluded from this, so those that are charged with a crime will need to seek a criminal defense attorney. Plan attorneys can consult on divorces, business matters, issues with government programs, and more. You also have online access to legal resources that can answer many of your questions and help you carry out some legal tasks on your own.
My Roadside Protection is going to help you when you are on the road and you break down. After your membership is approved, there is a 5-day waiting period before this program kicks in. You can receive up to 3 service calls or towing requests of up to 15 miles as long as the cost of towing does not exceed $50. If you need to be towed further, then the applicable costs will apply. You are limited to three service calls per 12 month period. You can also have up to two gallons of fluid delivery, which requires repayment at the current pump price, lockout service, and tire change service.
As for the courtesy programs, My Fuel Savings can come in handy quite often because of the high price of fuel. You can also keep a lookout online for other services that will help you save even more money.
Fraud resolution comes in the way of cooperation with law enforcement when there is a fraudulent charge. If you feel that you have been fraudulently charged, it is ideal to fill out a police report. That is so the police report can be provided to Horizon Card Services and the matter investigated. If your information is used fraudulently to apply for a membership or if you receive fraudulent charges in your bank account or credit card, you can submit a police report to the card issuer. They have to have this information before they can take any action. If it is determined that fraud occurred, then all involved parties will work together to resolve the issue. This gives you a degree of security in knowing that the company will work with you and with law enforcement when any type of fraudulent charge is made, whether it is made on the shopping card or the bank account or credit or debit card on file.
It is very important to ensure the account remains in good standing. The reason is so you are not penalized in any way and so you do not have to pay back the balance in full. Horizon Card Services does reserve the right to request the entire balance in full if the account remains in poor standing.
Another reason why you want to keep the card in good standing is because you can receive credit limit increases that allow you to take advantage of the online store even more. As you make your payments on time and your spending power increases, you can get even more out of your card. Plus, you are able to hang on to the many money saving benefits that the membership has to offer you.
The Freedom Gold Card gives members what they want and that is to have more than just a shopping card. Instead, it is a card that offers exclusive benefits that are designed to save the member money rather than cost them a lot of money to take advantage of those benefits.