Home Trust Secured Visa

The Home Trust Secured Visa is designed to help build the credit rating for individuals with untraditional credit histories. This includes students, newcomers to Canada, people dealing with past credit issues, and self-employed individuals. With the Home Trust Secured Visa, you can build or rebuild your credit by taking control of your future by designing your own way forward to an improved credit rating.

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A Secured Visa Card – all the benefits of credit

The Home Trust Secured Visa is just like a regular credit with the only difference being the balance is secured by a deposit you provide.

Your credit limit is determined by the amount you deposit and can be anywhere from $500 to $10,000. Your deposit stays at Home Trust for the duration that you hold your card. Home Trust is a member of the Canada Deposit Insurance Corporation which means your security deposit is fully protected and is one less thing you must worry about.

Once you receive your card you can start using it like you would with any other credit card. You can use it to shop, pay bills, rent vehicles, and set up accounts online. The Home Trust Secured Visa provides you with the financial flexibility you need.

Just like with other credit cards monthly payments will be required which will help build a better credit rating.

How a Secured Visa puts you on the way to a better rating

Almost everyone who applies for a Secured Visa and puts down a deposit is approved. Once approved, your file is reported to the credit bureau every month and your credit history is established.

If you keep paying your monthly payments on time your credit rating will start to improve. Build your credit and take control of your future with the credit rating you need to obtain other forms of credit like a loan or a mortgage.

Differences between a Secured Visa card and a prepaid card

Can improve your credit rating Does not improve your credit rating
Control spending limit with the amount of your deposit Needs reloading once the balance is depleted
Accepted wherever you see the Visa logo Not accepted by all merchants

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Visa makes life easier

You can use your Home Trust Secured Visa in more than 200 countries and territories. Your card offers a secure and reliable way to pay for what you need while traveling the world. You can also use your Secure Visa to access cash from 2.5 million ATMs worldwide. Other benefits you can enjoy are:

  • Immediate access to credit, up to your available limit
  • Interest charged on purchases only when you carry a balance

You will also benefit from security features designed you protect you – and your credit rating:

  • Secure access to your latest account information. 24/7, with Home Trust Visa Online
  • Verified by Visa, for enhanced security when shopping online
  • Fraud protection through Visa’s Zero Liability Policy
  • Protection against loss or damage of your purchases, through Purchase Security Insurance
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    Why Work With Us?

    • Guarantee your debt is reduced or you pay no fee.
    • Be debt free in 1 to 5 Years.
    • Homes, Vehicles are fully protected.
    • Collection agency calls will stop.
    • Wage garnish will stop.
    • Protect client from legal action.
    • Information on re-establishing your credit rating.