Credit Card Reviews

HomeTrust Secured VISA Consumer Reviews

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(47 reviews)
HomeTrust Secured Visa
1.9 out of 5 stars:
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Excellent card for building your credit!

by S.S on Apr 12, 2022
5 out of 5 stars

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!

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DO NOT USE THEM

by tonie on Mar 15, 2022
1 out of 5 stars

THEY ARE THE WORSE. Every day since I applied they ask me for a document in an email. When I call to clarify no one knows anything OR you get an attitude. Why would anyone want to give business to a company that can't help or wants to help its customers? When dealing with money that is DEFINITELY something you don't want to have to deal with.
NOT WORTH THE HEADACHE OF SIGNING UP OR GIVING THEM THE BUSINESS FOR ANYTHING

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Late statements, bad roadside feature, missing chargeback mail and can't win a single CB

by bn880 on Feb 22, 2022
1 out of 5 stars

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.

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Tangerine World Mastercard®

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

Get this card / Apply online

Unreliable, lied to and frustrated.

by Shannon Patriquin on Jan 6, 2022
1 out of 5 stars

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.

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Don't use them

by Rosemary Muscat on Nov 2, 2021
1 out of 5 stars

Don't use Home Trust Visa. They are thefts. I had several charges put on my cards that I didn't order. They admitted it was an error but refuse to credit or give me my money back. it takes hours to get through and no one is helpful. They are a horrible company. Don't use them. I even reported them to BBB and they didn't help. I have been trying to get my money back and did everything I was supposed to. They won't get back to me and now they do but stay I'm pass the limit time of where I could get my cashback. Of course, they ignore me and refused to get back to me, now they say they made the error but REFUSE TO GIVE ME BACK MY MONEY. I cancelled my card right away and used another company that has been amazing.

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Where is my PIN

by Maki0987 on Jun 23, 2021
2 out of 5 stars

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.

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Tangerine World Mastercard®

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

Get this card / Apply online

Home Trust Visa

by Stephanie on Jun 5, 2021
5 out of 5 stars

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.

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6 months and counting

by Dogfish on May 27, 2021
2.5 out of 5 stars

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.

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Horrible

by Ian on May 3, 2021
1 out of 5 stars

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.

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Tangerine World Mastercard®

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

Get this card / Apply online

Stongly Advise

by Keyboard Hero on Apr 19, 2021
2.3 out of 5 stars

Great rates, especially since they don't charge the % transaction fee when abroad, unlike the standard 2.5% from regular credit cards. However, their customer service is horrid. They don't know which problem goes to which department. Their third-party fraud monitoring is outsourced. The card was easily hacked online. If I have any further issues with this card, I will investigate a different product.

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