Credit Card Reviews
HomeTrust Secured VISA Consumer Reviews
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(47 reviews)
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I had just recently applied on the 19th of March for a secured card and it did take about 3 weeks for them to get back to me with an approval! They are backlogged due to COVID and that is understandable and you do read online that it usually takes 2-3 weeks for a normal application! I had sent the security funds immediately and received the confirmation of funds email the next day, the card should be arriving within 10 days! It's finally nice to have a high-limit card after years of not being able to acquire a high-limit card due to past credit issues. It's a long process but definitely one of the best options for secured cards right after secured cards from the big national banks!
I've had this card for two years. It's my go-to for international travel. Never had any problems so far. I called customer service once to ask for a credit increase since they gave me a ridiculous low start. Customer service was friendly, knowledgeable and fast to get through. They did a soft check so no hit to my score and they doubled the limit.
This card is worth it if you travel.
Tangerine World Mastercard®
Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases with Tangerine World Mastercard.
What else will you get:
- Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
- No limit on the amount of Money-Back Rewards you can earn.
- Change your 2% Money-Back Categories to suit your spending.
- Mobile Device Insurance
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Was hung up on no less than 10 times in 2 days. I Will not accept my card number on several occasions until I read the numbers and even then it is standard security to read off numbers twice. Their website security is a joke when you can't use the same password for the last 10 times and they ask you dumb security questions like "what Olympic sport would you compete in" when who remembers the exact answer to something like that 2 years later. I asked for a credit increase and looks like they didn't even bother to look into it. Only CC company that I use that has you call before you travel. If I don't cancel this card outright it will sit in the back of my wallet only to be used in some place only accepts VISA. Unreal incompetence. Other cards offer currency fees and roadside assistance deals.
I noticed some people had negative experiences, but mine was very positive. I got this card just before applying for Consumer Proposal, and I was able to keep it. This is the only good credit card I have on my file. All others are under the proposal and report bad debt/derogatory rating. I still have 3 months before the discharge, and my credit score is 620.
Initially, the downside of this card was I couldn’t use it for contactless payment or add to the ApplePay. They changed it. Another problem is you can’t temporarily increase your limit by overpaying it.
I highly recommend this card if you can afford a minimal security deposit and credit limit of $500. Make sure never to go over 30% of your statement limit, and always pay on time. The card is free, and they report monthly to both credit bureaus. Use it to repair your credit and on rare occasions where prepaid cards or debit cards are not welcome.
Realistically, you don’t need a credit card so often as ten years ago. I’m using my MC debit card for everything. I also have 2 prepaid cards (one of them BMO Prepaid Travel MC) and they work great.