HomeTrust Secured VISA Consumer Reviews

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'.

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...

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 used the card to make reservations in the US and to purchase tickets. I paid the balance in full before the due date for $3700. I went to use the card after that and the transaction would not go through. When I called, they told me the card was on hold/suspended for 5 business days. I asked why and they said it was because I paid by check. I was not at my credit limit either. Trying to get hold of someone first gets directed to Florida. The business hours are weekdays. Office closed over Christmas holidays. Finally contacted someone and all I could get is "I'm sorry sir, there is nothing I can do, the head office makes that decision". If you are relying on this card, don't count on it because you can get stranded unless you have another card, which cost me the transaction fee. So to actually have their card cost me money. No one can help you unless "sorry sir, there is nothing I can do" is considered help. What a joke of a card. You need to ask, what is credit? Will be cancelling it after I pay the balance and get another card that gives cash back for US transactions, thanks but no thanks.

I, like other reviewers, am appalled by the incredibly slow response time. I applied for the card over 8 weeks ago and leave for my trip to California in 2 days... it’s the weekend now, so will definitely not even have a chance of receiving the card! Unbelievable!! Others' credit cards are 2-3 weeks from application to having a card. Had I known, I would not get the card before leaving for my trip, I would not have applied. Thanks for nothing Home Trust!

I applied for a card in Feb 2018, I called multiple times to check on the status, no straight answer, told I should be receiving in weeks. Months later no card, follow up call in Sept 2018 - was told it would be faster to re-apply. Requested to speak to supervisors, no answer, after investigation told my application was declined! I have an excellent credit score of 800+. Was told to check with Equifax, possible error in my files... weeks later I receive my report, address correct, excellent score. Home preferred trust did 3 checks ...2 x in Feb and again in April 2018. The only discrepancy was an old address that was not accurate. After reading other reviews I wonder if I trust this company. I guess I do not have a lot of faith given my experience of how they manage customer calls and concerns.

These folks have been a nightmare to deal with ever since I applied for the card. Wait time for receipt of a card was inordinate with no practical way to even determine if the card was in process or the application was still pending. Called a few months back to advise - I was leaving the country and would be using the card overseas. The operator had no idea what to do or why I would even call to tell them this. Yesterday my card was blocked due to a suspicion of fraud concerning 5 charges in total. Only one of which was for the amount incurred. Called the "customer service" fraud people and was told the only charge they were actually interested in was for the correct charge. After I told them this charge was valid, I was told the block on my account had been removed. I asked why they sent other charges with a specific request that I approve them all. The response was that this was Home Trust practice. Then later told they were actually interested in all the charges by a supervisor and advised to contact Home Trust customer service directly to address them. When asked why I needed to when the card was now unblocked. The supervisor reverted to the standard practice mantra and them only being interested in one charge. The supervisor also told me all charges I was sent were dominated in US currency. When I told her this was strange given I was using a Canadian credit card, she claimed she was unaware of this. Really?

Customer service is terrible, incompetent, and unwilling to help. I had not thought that somebody can do worse than the big Canadian banks. I wanted to make a large purchase exceeding my credit limit and thus overpaid my Visa bill to charge my account with extra money to make that purchase. While the money shows up on my account, I still cannot make the payment because the size of a payment that I can process is limited by my credit limit. Other credit cards allow you to spend as much as you want as long as the balance on your card does not exceed the credit limit. Customer service was totally unhelpful and connected me on purpose and without my consent to a department that was closed at the time of my call.