HomeTrust Secured VISA Consumer Reviews

Home Trust Visa conveniently “forgets” to send email reminders that your payment is due.
Since customers are not getting the reminder, they forget to check the statement, especially if you have many credit cards, and miss the payment date, resulting in hefty interest charges. This happened twice to me already. The second time was after Christmas, when everyone spends a ton of money on gifts. When I called customer support, they told me that they are aware that the reminders went out late, but the statement was available and they will not reverse interest charges. Is this even legal?
Shame on you Home Trust Visa. I’m cancelling your card, because the 3% you don’t charge in transaction fees for foreign currency, you make up (and more) in interest, a few times a year.
Mr CEO, enjoy your next vacation, it’s on me. You are welcome.

Their monthly statements are consistently mailed late...to prompt late payment fees. My second statement didn't arrive when it 'should' have, so I sent a cheque (two weeks in advance of the due date) to cover period purchases ++ extra$. They hold your check for 5? business days to clear. Even though the 5 business days came and went... They blocked my card (a week before the due date and days after the cheque clearance 'hold'). It's now almost a week past the end of the 'hold' and after 2 phone calls on 2 consecutive business days..." I don't know why, but they should have removed the block by now?".

If you don't relish your time and don't care about being held credit hostage for no explainable reason...then this is the card for you. Don't waste your time on this card... Do yourself a favour and move on.

This Visa is trash. They always send the statements late, so you can often miss a payment. (You have literally a week or less before you need to pay)
I opened a single chargeback case on this VISA after years of use and at least 80k of transactions, and they failed to send me the first notice for evidence that they need, which then gave me 24h to FAX or Snail mail evidence for a legitimate case. You can't even EMAIL anything to them in 2022!
When a car broke down in the middle of winter and my mother had to use the towing feature at the side of the road, they refused to tow the car to a place of her choosing and to add a payment to cover additional costs!
Very bad card, violating consumer protection laws.