HomeTrust Secured VISA Consumer Reviews

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'.

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.