New horizon credit card

New Horizon Credit Card is a credit card offered by New Horizon Bank, a community bank based in Florida, USA. Here are some key features and benefits of the New Horizon Credit Card:

Features:

  1. Rewards Program: Earn 1% cashback on all purchases, with no rotating categories or spending limits.
  2. No Annual Fee: There is no annual fee for this credit card.
  3. Low Interest Rate: The interest rate is competitive, with a variable APR of 12.99% - 22.99% (Variable) based on creditworthiness.
  4. Credit Limit: The credit limit is based on creditworthiness and may vary.
  5. Foreign Transaction Fee: 1% of each transaction in U.S. dollars, with a minimum fee of $1 and a maximum fee of $50.
  6. Late Payment Fee: Up to $35.
  7. Return Payment Fee: Up to $35.

Benefits:

  1. Convenience: Use your credit card for online purchases, in-store purchases, and at ATMs.
  2. Rewards Redemption: Redeem your cashback rewards for statement credits, direct deposits, or checks.
  3. Purchase Protection: Get protection against unauthorized purchases and extended warranties on eligible purchases.
  4. Travel Insurance: Get travel insurance coverage, including trip cancellation, trip interruption, and travel delay insurance.
  5. Credit Score Monitoring: Monitor your credit score and receive alerts when changes occur.

Eligibility:

To be eligible for the New Horizon Credit Card, you must:

  1. Be at least 18 years old.
  2. Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
  3. Have a valid government-issued ID.
  4. Meet the bank's creditworthiness requirements.

Application Process:

To apply for the New Horizon Credit Card, you can:

  1. Visit the New Horizon Bank website and fill out the online application form.
  2. Call the bank's customer service number to apply over the phone.
  3. Visit a New Horizon Bank branch in person to apply.

Fees and Charges:

Here are some fees and charges associated with the New Horizon Credit Card:

  1. Annual Fee: $0
  2. Late Payment Fee: Up to $35
  3. Return Payment Fee: Up to $35
  4. Foreign Transaction Fee: 1% of each transaction in U.S. dollars, with a minimum fee of $1 and a maximum fee of $50.

Interest Rate:

The interest rate for the New Horizon Credit Card is variable and ranges from 12.99% to 22.99% based on creditworthiness.

Credit Score:

To be eligible for the New Horizon Credit Card, you typically need a good credit score, which is generally considered to be 650 or higher. However, the bank may consider applicants with lower credit scores on a case-by-case basis.

Customer Service:

New Horizon Bank offers customer service support through:

  1. Phone: 1-800-NEW-HORIZON (1-800-639-4674)
  2. Email: [email protected]
  3. Online Chat: Available on the bank's website
  4. Branch Locations: Visit a New Horizon Bank branch in person for assistance.