Horizon Gold Card
Complaint 178166 Details

It is run by two men who ran a similar scam offer a few years previously. Some of the 'good reviews' you may find posted online about how good it is, buying presents, etc., are written by their employees. The goods for sale through their website are worthless over stocks and returned mechandise. Thats right, returns. The coat or bathing suit you buy there was already worn by someone else. 
You will be charged a recurring fee for their product. They will debit your checking or savings account or attempt to numerous times if you are out of funds. This may cause your bank to hit you with NSF fees in some cases. If your account is suspended for lack of funds, they will attempt to bill you at a much later date to make you active again. This is done to see when you will have money in your account so they can set up the recurring billing to hit your account at the right time. Also, this practice is also frowned upon by VISA or Mastercard policies.
Your only option if you did sign up is to call in and cancel. Ask for a refund of any and all charges. Threaten to file a chargeback through your bank if they do not cancel and process your refund. This type of company operates on a thin line with their banks because of the tyoe of business they are in, and threatening or even filing a chargeback gets their attention.
I hope this helps people stay away from this product.