The Home Trust Canada credit card is specifically geared towards Canadian citizens, who are currently facing or have faced credit problems in the past. Home Trust is a subsidiary of the Home Capital Group, which is a federally regulated company. If you have suffered with credit problems, applying for this card is a great option. It is secured by Visa, and once individuals are approved, they can utilize the online payment system, and how to get the most out of its use. There are great benefits with the Home Trust card. If a consumer is capable of putting down a security deposit, they are eligible to apply and are approved for the card. The deposit can range from $1,000 upwards on to $10,000, and this will represent the consumer’s credit limit as well. Additionally, consumers can only spend up to the amount of collateral put down on the card.
There is a monthly fee for owners of the card of $7.50, and a $3.00 fee for a secondary holder; it also has a 2% interest on the security deposit put down. If consumers exceed the limit on the card there is a $29.00 charge tacked onto their bill, and interest rates on cash advances and purchases is 24.99%. There is also a minimum monthly payment if the card is used, of $10.00 or 3% of the total balance, the higher of the two.
Now, for consumers interested in using the online system for payment options, and to securely check their balances and payment history, signing up for online services is an easy process to do. Using the online system allows users the option of checking balances, scheduling payments, reviewing statements, and several other friendly features, all on a secured site. Consumers are also able to check the amount of credit they currently have, and are able to download their transaction history on their card use. The site also allows you to view your current statement, and past statements (up to a certain time back). Consumers can also ask for the option of receiving e-mail alerts on when payments are due, or if there is a change with their account. The online system is user friendly, and offers you a variety of features to easily manage the card from the comfort of your home.
To log onto the Visa Online service home page, you simply go to the Home Trust website, and there will be a link reading “Go to Visa Online.” You must first register an account (personal information, a bank account to make online payments, security questions to be answered, and other pieces of information might be required), which can be done on the Enroll here button which will walk you through the process. Once enrolled, you can now fully utilize the online service page, and properly monitor your account and make payments.
The Home Trust card is a way to help consumers rebuild credit, have a secure card, and have the benefits of extra funds when needed for a rainy day.
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