I had a First Premier bank card and I paid off the balance on it, however now I am trying to apply for a credit card but when I did I was denied because they could not find my credit history. I am not sure what's going on, I thought I just had Bad credit. I did not think I have no credit history. I mean I had a credit card before and your cell phone bill has a reflection on your credit (so I've heard) what gives?  

A Group One Platinum Card is not strictly speaking a credit card. It is a shopping card that you can use exclusively at the Horizon Outlet (thehorizonoutlet.com). The Horizon Outlet is an online store that offers a range of merchandise: men's, women's and children's apparel; home goods; entertainment and electronics; and financial services. You should apply for a card if you are sure that you will buy at this online store often.

The Group One Platinum Card is a shopping card that you can use exclusively at the Horizon Outlet (thehorizonoutlet.com). It is an online store that sells clothing, toys, small appliances and other small-ticket items. The bank may report to at least one credit bureau and therefore help you build your credit score, but for that you need to pay some costs. All of the fees you mas see in the card's terms and conditions, however be aware of the following: One time Card Issuance and Account Validation fee: $0.00; Monthly Membership Fee: $14.77 - this is paid monthly for the full benefits plan; Late...

No, it can't be used for cash advances. The Group One Platinum Card can only be used to make purchases through the Horizon Outlet website or catalog. This is a shopping credit account, not a credit card. Cash advance features are only available to the credit card owners. Credit cards are not the best source of cash, however, as there are high fees and APRs on cash advances. Debit cards are the best for cash advances.