HomeTrust Secured VISA Consumer Reviews

I travel often for business and I use this card because it does not have foreign exchange fees. However, I have had fraud on my card 4 separate times in a short period of time. Avoid headaches, avoid this card.

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.

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.

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.

I applied in November 2020 & I understand that with COVID they had a backlog, but after doing a credit check on March 04, 2021. I would think that the application would be processed by now but have called several times & the representatives have escalated my inquiry on the card several times & to date, no one has called or emailed me any information. At this point, I am almost ready to put a stop payment on the secured funds & cancel my application.

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

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.