Credit Card Reviews
HomeTrust Secured VISA Consumer Reviews
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(46 reviews)
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Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
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Please don't use Home Trust, you will go through A LOT of headaches. If you pay your amount owing in full and on time, you are ok. ANYTHING outside of this scope will give you a hair-pulling experience. They will even provide false information to waste your time. DON'T USE THEM. There are so many other credit card companies that will save you more money.
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.
Scotia Momentum Visa Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350.
Get this card / Apply online
I closed my account in full on June 4, 2019, and was told by several representatives after several calls that my account had been closed. I was shocked to see today (June 18, 2019) that my credit score was being negatively impacted due to the fact that my account looks open and at the limit when in fact it is completely paid off! I spoke with a couple of different supervisors that assured me that the account would be expedited and dealt with only to call today and be told by another representative that the process would take 30 - 45 days. What an absolute joke!
They put a hold on my card because I missed one payment ($10, seriously?) even though I spent and paid off thousands of $$ over the previous 3 months. Only noticed this when I went to use it for a very small ebay purchase and it would not accept the card. Had to call to find out why. I would not have to miss ANY payments if they allowed me to set up automatic payments to pay off the balance each month, but they tell me 'they don't do that'... Why? Because then they don't make their interest? Annoys me...
I applied for Home Trust credit card twice last year. They did a credit check on my file twice and then never replied back to me. When I phoned them they were confused and said the information will be sent or was sent out. I never got any information after waiting for months and months. I usually get mail offered from several credit card companies (without applying) as my credit score is in 'excellent category'.
Scotiabank® Gold American Express® Card
Earn up to 40,000 bonus Scotia Rewards points in your first year (that's up to $400 towards travel). What else will you get:
- Earn 5 Scotia Rewards points for every $1 you spend at eligible grocery stores, dining and entertainment
- Earn 3 Scotia Rewards points for every $1 you spend at eligible gas stations, daily transit, and select streaming services
- Earn 1 point for every $1 you spend on all other eligible everyday purchases
- Complimentary Concierge Services 24/7
- Comprehensive Travel Insurance coverage with 25 days of travel medical insurance for eligible persons under age 65
Get this card / Apply online
I have used this credit card for over 12 months. No complaints at all as to service. The application process, by email and then confirmed by mail, straightforward and uncomplicated. 1% cash back on purchases credited to the account in January. No foreign transaction fees. Additional feature - free roadside assistance, although I haven't yet to make use of this, and can not vouch for its effectiveness. Online statements, clearly written with the ability to track expense categories. Travel notification requires a telephone call. I’d suggest that this be included as an online service.
Happened in the US and again now. The card has $134 debit on it and was rejected by A Walmart and Canadian Tire machine this evening. No help from the 800 number, they said: we transfer you to the credit department. All we got then was a recording that “We are only open Mon-Fri 09-17. This definitely is not a credit card for travel, only a backup card. Good, I also have an MC and AE card. I never had a card with such bad customer service
I applied in September 2018. Received PIN at the end of October. The card never arrived. Called them in Jan 2019. They said they are going to send a new PIN and a new card. Received the PIN in 10 days. Three weeks later no card arrived. Called them again. They asked for permission to block the card that never arrived. Promised to send new PIN in 10 days and a new card. What a Joke...
Scotia Momentum VISA Infinite Card
Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). Plus, no annual fee in the first year, including on supplementary cards. A welcome offer value of $350. What else will you get:
- 4% on eligible recurring bill payments and grocery store purchases
- 2% on eligible gas station and daily transit purchases
- 1% cash back on all other eligible everyday purchases
- Complimentary Concierge Services 24/7 Visa Infinite Dining Series Visa Infinite Music Series Wine Country Wonders Luxury Hotel Privileges
- Comprehensive Travel Insurance & New Mobile Device Insurance coverage
Get this card / Apply online
DO NOT CARRY A CREDIT BALANCE WITH HOME TRUST VISA! I had a refund of over C$3,000 resulting from a credit balance. Called them on 18.12.10, 18.12.08 and again today 19.01.08 and was told "a request has been made to head office", yet my balance is still C$3,000CR both on-line and phone-in. They are going to make yet another "request" again for me, but I have a feeling that I will have to keep phoning to ask them to "make a request" for the rest of my life. I could go to ATM to do cash advance - $500 each time 6 times. But that will trigger a "small interest charge" because of the "timing" thing!
I applied for a card and had to call them when I didn't receive a card or email response. On the call, they then informed me that I had neglected to sign my application. I wish they had told me, rather than forcing me to make contact. Nonetheless, once I completed that step I receive my card within 10 days. Easy to activate the card and to change my PIN. I intend to pay my balance every month, so I don't anticipate any problems. I do wish that they offered rental car insurance. Such is life. The card is to rebuild credit, I didn't expect a lot of bells and whistles, just the ability to use a credit card again.