HomeTrust Secured VISA Consumer Reviews

In October I applied and paid a deposit. Told 10 business days to arrive. I am military deploying in January and a credit card is necessary for making reservations and handy to travel with. By mid-Nov still no card. Called, told to wait another week or two. Still, nothing came. Called back end of Nov and finally convinced them I never received it. They are sending out another one and waving rush fees I was told. Wait another 2 weeks still nothing came. Called, now told they can't do rush to a PO BOX! I move, forward my mail at the post office. Still nothing at end of December. Call again. They are going to send another card (3rd one) and rush it by courier to the door, no charge. Wait at home for 3 days still nothing. Call them again, it went out by regular post on Tuesday. I deploy now in a week 😡I can't even get my refund in time now. I don't know if this is a scam or what's wrong with this organization. I do not recommend it. No compensation or any solution was even offered to me.

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.

7 months to issue card, wrong issue to the credit bureau, they cancelled the same day, then reissued the next day, that dropped my credit rating 17 points. Used about a month, then locked my account because the check was stale-dated, Mar 30, told send $1,000 deposit through my bank and would process as a deposit, April 5 account still locked, was told I might still have to send them another $1,000 check even though they have the $1,000 I already sent through the bank because it might not process it as a deposit, said would call me back in two business days, never got call back.
Couldn't log in may 3, was told it's still locked and they would try to process the $1,000 they still have of mine as a deposit, and they will call me back in two business days. Now I have a useless card, they have $1,000 of my money, I can't log in to see my balance, and if I cancel, my credit will take a hit. Also, if they mail your bill, you probably won't get it until after the due date.

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.

I applied for the card in July and sent all required documents and deposit, waited over 10 weeks, still no reply, ended up cancelling my check, costing me money. Total garbage company and would avoid at all costs.

I am in the process of trying to repair my credit so a financial planner told me to get a Secured CC First and gave me 3 names to choose from. I didn't do any research and filled out their application online in mid-July. Within a day they had sent me the instructions about where and how much to send and how to label the money order. Nowhere on the site or in the email did they mention the turnaround time. I went to the post office and sent it off the next day. I waited a month and had heard nothing. Not even that they had received anything or the funds. I called the 1800 number and after waiting like half-hour finally spoke to someone. She informed me that as of August 10th, the department that processes the applications to move forward was working on files from May still. She said it was due to COVID but now from the other reviews I'm reading I learn it's been an issue for years. What a disgrace. I'll be calling first thing and be demanding they cancel my request and return my money order.

Filled out an application and sent Bank Draft ALL as requested. No response for 4 weeks not even to state they had recorded the Draft (their office is a few blocks from my home so it would have arrived within 2-3 days locally). Called them. Could offer no updates but promise would be ready within a few weeks and my Card posted to me. Rang back yet again after the promised timeline, it was extended once again. Rang back a 3rd time and this was the first time they 'confirmed' they had recorded my deposit and informing me it won't be ready till September unless they deny my application!!! Extremely frustrating, seem highly unorganized with no 'protocol' in place. I really wish I would have gone elsewhere... Am looking into other options and am going to try to get my deposit back. Very disappointed! They feel untrustworthy and that is the worst feeling.

I applied for a Home Trust secured credit card because I don't have a credit history. After 1 month of silence, I was requested to send them 2 IDs, a utility bill and a bank account statement. I sent everything, except the utility bill (all utilities are included in my rental agreement). Also, I sent an invoice from my Internet provider with my name, address and payment information. I got a refusal 7 weeks after my application date because I was not able to send them electricity, water or cable bill. If you need to build a credit history either apply to their competitors or be prepared for 2-3 months of processing time and sending tons of documents. If you need a credit card for online shopping, including flights and hotels, consider the prepaid credit cards.