HomeTrust Secured VISA Consumer Reviews

I applied and got approved fast and got the card within 10 days of posting the deposit but I never got the PIN. When I called them they said it was never processed and had no further explanation or apology. They said I had to wait for 7 to 10 days more to get a PIN but asked me to activate the card which I cannot use without the PIN. I called again after a week and no PIN and they said I would now have to wait 10 to 14 days for a PIN even though the place that prints these is close to where I live and so they blame it on Canada Post but not on their initial mistake. Why would someone process the credit card but not the PIN? I have to agree with other comments where customer service talks over you and won't let you get in a word. Won't use them again but need them now to fix my credit.

Applied in 2020, about a month later was approved and requested to send the damage deposit. I sent it in immediately. After a month later I phoned in, took an hour for the person to find if I even had an account, requested an elevation to get information and told me they would call back. A few weeks later with no callback, I phoned again, same thing, no information, told me they would get back to me and never did. Start calling weekly for updates, always told I would get a call back in 3 days but never do. After about another month they tell me to reapply to speed it up because their "new system is faster". I do but see no results. Finally, get fed up and try to cancel the damage deposit order via the bank to walk away, they had just deposited 2 weeks prior.

The only good/unfortunate thing about Home Trust is the CS reps are really very lovely people. I wish they were jerks so I could yell at them about this terrible company.

I applied in November 2020 & I understand that with COVID they had a backlog, but after doing a credit check on March 04, 2021. I would think that the application would be processed by now but have called several times & the representatives have escalated my inquiry on the card several times & to date, no one has called or emailed me any information. At this point, I am almost ready to put a stop payment on the secured funds & cancel my application.