HomeTrust Secured VISA Consumer Reviews

Well - this card used exclusively for travel was compromised while living in my safe. I got a statement with a charge from a UK company. Not a lot of $ but not mine. 1 hour, 4 hang-ups on a Friday to cancel the card. Now I have to call disputed charges as we are after regular business hours (three calls to find this out with menu requiring 3.5 minutes to navigate) two of the calls were to express my unhappiness with their process which if done correctly would have been within the timelines. Their dispute resolution states "you must call us immediately" So the next week I tried again, their auto system ends with a Spanish voice and hang up (I did this process twice as I could not believe it) I had to call and wait 10 minutes to be transferred to the number because I could not access directly. Then all they did was open a ticket of which I would hear in 15 days - if I did not........ call back...... really? So now I wait. I actually don't need this card and I sit wondering why I have now spent about 3 hours of my time to resolve an issue not created by me.

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.

Tried calling their line for nearly two weeks and each time after waiting a number of minutes the line went dead. This company is a joke and their customer service if you can even reach them is pathetic. I would recommend that whoever has this card cancel it and get a card from a company that really cares about you as a customer. The only thing I can think of is that everyone in this company has contracted the coronavirus and there is no one left to answer the phones. If I am incorrect then the word pathetic is not a suitable word to call them it would have to be a lot worse than that.

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.

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'.