MyInstantBenefits.com

if it looks too good to be true... it usually is.. I would stay very clear

i never got that one, but I keep getting checks from Household bank. they're small, the smallest was $5 and the biggest $15. they say that if I deposit this check then I will be guarenteed a credit card and I will also get a credit repair package. On the back of the letter, in miniscule print, it says that I will be debited $199 for this service. I wonder how many people have actually deposited these checks, then wound up $200 in the hole when that money got debited? The first two times I read through the letter I didn't see that debit info..I guess they're counting on that.

:( I was contacted last evening by someone from myinstantbenefits.com offering a $3,000 credit on merchandise and a free credit report. I nearly fell for it until they started asking personal questions about my bank account when I prompty hung up. Hope this helps.

This company is a total fraud. They charge your credit card for a fee of $49.95 9 non-refundable) and provide no service but to send you a $3000 credit card to their own online store. This is total b.s. and i have personally reported them to the better business bureau. Please save your money and do not do business with this company.. It's a total loss!!!

I have reported this business to the better business bureau. They have charged a "non-refundable" fee of $49.95 for providing absolutely no service but to send a $3000 credit limit credit card to their own online store. Would not cancel the account and would not refund the money. I will be pursuing this to the end of getting my money back. Do not fall for this fraud company.

oops ithink ihave been had by these folks.i will report them to the bbb also. 49.95 was taken

I found that this company is a fraud and it should be investigated.

I just looked at the privacy policy on their website. By merely APPLYING for their "service" you are agreeing to receive any an all SPAM mail that they or anyone they want to sell your email address to wants to send you.

Then, you are agreeing that merely submitting your application will be considered a PURCHASE from them. And since you just made a purchase, they are now legally free to telemarket you as much as they want, and are free to give your name out to any of their "partners" so that THEY can telemarket you and the federal do-not call regulations are null and void.

Stay away, stay very, very far away.

I was just wondering??? Has anyone had any positive experiences from my benefits? It was my understanding that they are offering a creditcard to use to purchase merchandise via their online company. Is this not the case? I was never under the impression that I'd be recieving a Bank Credit Card but a merchandise credit card. Any help would be appreciated. Please respond at Email removed as per forum rules-Mike

I was also deceived I thought I was applying for a regular credit card. I also gave them personal information Iwanted to quit and they said I didn't give it a chance

Josie, put your complaint at the State Regulator office. Did you send the cancellation letter to the company? This is a must in order to prove your part of canceling the credit card application.

They are afraud big time do not apply you will only receive their card for merchandise not a real via or master card. I will report this a fraud company.

DO NOT hook up with these people. My Instant Benefits, also known as Horizon Card Services, is a rip off. They will take $80 from your bank account before they tell you that there "credit card" is only good on-line for services they offer. It's not a real credit card per se, such as one you can use at restauants, gas stations, etc. Just what they offer you, and it's all useless. Believe me, I got taken yesterday. Now I'm checking into on-line fraud against them. DO NOT go with these people and tell your friends

i was taken to,,,,,but since my credit card was not accepted they then offered me to pay a fee using a check. i didn't. another option they offered was for me to send them a money order to receive the card????

i just found by clicking on one of their sites that you can remove your e-mail address from them...they offer that...look for horizon in yahoo search

I closed my acct: 11/4/06 and they still took $6.00 out of my checking actt: 01/10/07.ID # 2010*****

Personal info removed for your safety - Mike

oh my god, i just got beat. i just got this card just moments ago. they did not tell me that the card was good just for their merchandise only on the advertisement. what am i going to do? that was $80 dollars of the bill money down the drain. i am calling the bbb also. should we do a class action law suit??
any replies will be appreciated

They have CALLED me. I don't even know how they got my number, but they keep calling me telling me about an 'exciting offer' and how I am approved for the 3k unsecured credit line. I always ask, "Is it a Mastercard, Visa, Discover...?" and they dodge the question, "Its a credit card."

They have gotten downright snarky when they start confirming my address and I tell them I'm not interested.

Tami - read the fine print. You may be able to return the card and get a refund.

May. I can not promise anything. But if you don't want this bogus card, send it back as soon as possible.

My lord call me naive but I am 29 years of age and it still amazes me that people run scams on other people like this...These con artists should get some sever punishment-I am talking severe!

You are not naive, nor are others. While it is a scam, their selective wording, along with their fine print, allow them to pull this off. Allow me to Star Wars on you for a minute. In ROTJ, Luke confronts Obi-Wan's spirit, upset cuz Obi-Wan told Luke that Vader killed his father, when that wasn't true. Obi-Wan's response was that Anakin stopped being Anakin when he became Darth Vader, and Obi-Wan hold told the truth "from a certain point of view".

What does all that have to do with this? Same deal, from a certain point of view, they are telling the truth. It is thru the fine print you learn the truth about what the card can or cannot do. Like michikade said, they avoided stating right out what it was.

Along with that, factor in that many of the scams are run from out of the country, it's hard to really nail them, since applying US law is difficult.

If it reports to a major credit bureau, who cares. Everyone here has completely missed that. If you thought it was a Visa or Mastercard, learn how to read. It tell you that in CAPITAL letters right in the Terms and Conditions.

You have a point. Per their terms:

I think my big issue is that the card is limited to their website, with a monthly fee of $15-$20.

You could spend $240 a year on this card and purchase nothing. It is promoted as no annual fee/free enrollment. That, to me, is HIGHLY deceptive advertising.

About 4 weeks ago I filled and online application, which they said was approved. also they said that the card would be inthe mail,however instead, they tried to take $79.00 from my checking account...I've tried several times to get a phone number and it's impposible. What it's wrong with this company?