Net First Platinum Card Review

Net First Platinum Card

If you have poor or no credit, NetFirst Platinum is perfect for you. After completing their quick and easy application process, you will receive a $750 merchandise credit line from NetFirst Platinum. Pay the minimum monthly payment and start using NetFirst Platinum to build your credit history. Complete their simple application and your results will be ready immediately. If approved, you will immediately receive a $750 merchandise credit line and other benefits. By handling your account responsibly, you can build your credit history. Use Credit Hawk for 24/7 credit monitoring. Your $750 merchandise credit can be used exclusively on the Horizon Outlet shopping site to fund a range of amazing products.

Pros & Cons Analysis of Net First Platinum Card


  • easy to qualify

  • no credit check

  • no employment required

  • $0 activation fee

  • 7-day trial period


  • does not report to all 3 credit bureaus

  • $14.77 monthly membership fee

  • can only use at Horizon Network stores

Net First Platinum Card Highlights

Benefits: More than the annual fee of many credit cards full of benefits-but the benefits of NetFirst Platinum can't even be compared. Your membership provides you with a card with a limit of $500 and benefits, including privacy protection, prescription benefits, legal aid, and roadside assistance programs. This privacy protection program provides you with a credit report. However, you already have the right to obtain a free credit report each year from each of the three major credit bureaus, which is provided by the federally authorized website (As of April 2021, you can get a free credit report from three bureaus every week.) The benefit of this prescription, called My Universal RX, claims to save you up to 40% of the cost. It is said that "prescription drugs are covered," but the list of qualified drugs that cannot be accessed when the card is registered. Roadside protection allows “3 service calls or trailer requests up to 15 miles up to no more than the operator’s cost of $50.00 per year.” Remember, coverage only covers one call within 30 days. The legal aid program provides you with a 30-minute consultation, "Regional legal professionals with professional legal interests in your area."

FQA of Net First Platinum Card

  • What's Net First Platinum Card's Average Credit Age?

    Generally speaking, people with longer credit records are considered more reliable than those with shorter credit records. It’s important to note that the length of your credit history is only the average age of your oldest and newest active accounts. Suppose your earliest active account was opened ten years ago, and your youngest active account was opened last week. This will give you a five-year credit age. This is generally considered sufficient for most lenders to provide financing at a reasonable interest rate. Now, suppose you decide to cancel an account opened 10 years ago, while keeping the account opened last week active. In this case, your credit history will actually span 7 days, which may make it more difficult for you to qualify for a loan. Therefore, if you do not use an account that has been around for several years, it is usually not a good idea.
  • How can Net First Platinum Card Can Help With my Credit Mix?

    If you have both secured and unsecured loans with Net First Platinum Card, your credit score may be higher. Examples of secured loans include mortgages or loans secured by funds in a bank or brokerage account. A credit card is considered an unsecured loan, which means you don't need any collateral to get it. Therefore, if you want to quickly increase your score before refinancing a mortgage or buying a car, opening a credit account may be a good idea. Using credit cards responsibly can help you create the type of borrower profile that lenders will like. This will make it easier to buy houses, cars or other large items without causing long-term financial difficulties. It can also make it easier for you to receive education, start a business or invest in your future success in an affordable way.

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