Home Trust is a fully-owned subsidiary of Home Capital Group Inc, a public-listed, federally-regulated company. Home Trust Canada credit cards are suitable for those Canadian residents who have faced credit difficulties.
Home Trust Canada Credit Cards: Secured Visa Card
Distinctive features of Home Trust’s Secured Visa Cardare:
- Virtually everyone who can pay a security deposit is eligible. Security deposit ranges from $1,000 to $10,000.
- Offers credit limit ranging from $1,000 to $10,000, depending on the security amount you deposited.
- Offers 2% interest on security deposit.
- Monthly service fee for the primary applicant is $7.50.
- Monthly service fee for the secondary card is $3.
- Fee for spending over the limit is $29.
- Interest rate on purchases and cash advances is 24.99%.
- Minimum payment is either 3% of the outstanding balance or $10, whichever is higher.
Home Trust Canada Credit Cards: Equityline Visa Card
Distinctive features of Home Trust’s EquitylineVisa Cardare:
-
Does not have any membership fee for anyone except for those living in Québec. In Quebec, the annual membership fee is $100.
-
Monthly minimum payment can range from 1% to 1.5% of the outstanding balance or $10, whichever is higher.
-
Offers rates of interest of 6.99%, 7.99%, 8.99%, 9.99%, 10.99%, 11.99% or 13.99%.
-
Annual credit rates for cardholders in Québec are 9.99%, 10.99%, 11.99% or 13.99%.
-
Can make online payments through the Online Banking facility of Toronto Dominion Bank, Bank of Nova Scotia, Canadian Imperial Bank of Commerce, President's Choice Financial, Royal Bank, The Alberta Treasury and the Bank of Montreal.
Home Trust Canada Credit Cards: Visa Online
You can manage your Home Trust Canada’s Visa credit card account easily and securely through the Visa Online service. With the help of this service, you can:
-
View your account balance
-
Download your transaction history
-
Check available credit
-
View current and past statements
-
Receive custom email alerts
Steps to login to the Visa Online service are:
-
Go to http://www.hometrust.ca/visacards.aspx.
-
Click the Go to Visa Online link on the right pane of the screen.
-
Click the LOGIN TO HOMETRUST VISA ONLINE link.
-
If you are a first time user, register yourself by clicking the Enroll Here button.