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Re-Build Your Credit

   The Horizon Plus Secured MasterCard® allows virtually all Canadian residents to have a credit card. Specifically, it is geared to those people who do not qualify for traditional unsecured credit cards due to financial difficulties in the past or lack of a credit history. This may include:

Students  -  New Immigrants  -  Discharged Bankrupts  -

and people who have had credit problems in the past.

The HorizonPlus Credit Card has several benefits over a debit card. Not only can you secure a car rental or make hotel reservations over the phone or via the internet but at the same time with proper use and repayment you can establish or repair your credit profile.

Your credit limit is set by the amount of your deposit with us (minimum $500), which acts as a security deposit and earns interest. You are then able to use your card up to this limit, and have the same benefits as other credit card users.


Here are some testimonials from other HorizonPlus Credit Card Cardholders:

"The HorizonPlus MasterCard provides the flexibility of having credit, and the security of a savings account. It is useful to help rebuild strained or damaged credit, and the customer service is excellent. In short, I would recommend this to anybody."
M. Stranach

"I am writing to say how happy I am to have a HorizonPlus MasterCard. This card provides the flexibility of having credit, and the security of a savings account. It is useful to help rebuild strained or damaged credit and their customer service is excellent. In short, I would recommend this to anybody."
Matthew S., Fredericton, NB

"I am happy to report that my credit rating is back as Excellent! The most important contributor to this is HorizonPlus."
Joan D., Aurora, Ontario

"It was a pleasure dealing with you. I will recommend you to any of my friends and co-workers. I wish to thank-you for the opportunity you have allowed me to establish a credit rating."
Michael T., Kingston Ontario


To apply for a Horizon Plus MasterCard and start to (re)build your credit, CLICK HERE.

John Smith Mortgage is Canada's preferred mortgage broker.