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Home Trust Secured Visa Credit Card
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- Internationally acceptable
- Zero liability policy
- No annual charge
- Build credit history
The Home Trust Secured Visa Card is a credit card designed for individuals who may have a limited or poor credit history and are looking to build or rebuild their credit.
About the Home Trust Secured Visa Card
Having a very low credit makes everything challenging for you. Credit card providers and lenders may not like to deal with you. In this case, the Home Trust Secured Visa card can be the best alternative. By availing this card, you will get an opportunity to restore your credit rating. The purchase interest rate, annual fee, and other charges are comparatively low for Home Trust Secured Visa cardholders.
The Home Trust Secured Visa Card is a secured credit card, meaning it requires a security deposit as collateral. The credit limit is typically determined by the amount of the security deposit. This makes it an accessible option for individuals with limited credit or a less-than-perfect credit history.
Responsible use of the Home Trust Secured Visa Card, such as making on-time payments, can contribute to positive information being reported to credit bureaus. This, in turn, helps build a positive credit history.
The Home Trust Secured Visa Card can be used like any other credit card for making purchases, online transactions, and bill payments. It provides a way for individuals to engage in everyday financial activities while working on improving their credit.
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About Home Trust
Home Trust is a regional, community-focused bank with comprehensive financial services. This commercial bank has set up its headquarter in Asheville, NC. Its service-focused team provides both commercial and personal banking services. With experienced local bankers, the financial institution has created a leadership team for business growth.
Why should you choose a Home Trust Secured Visa Credit Card?
If you are struggling to get a new credit card due to your low credit status, the Home Trust Security Visa card is the right choice. The card lets you build credit within a short time. Besides, your credit line can be limited by making a deposit in advance.
Many Canadians consider it the safest credit-building card that involves a quick approval process and no annual fee. Another unique feature of the card is that the bank sends a monthly credit report to Equifax and TransUnion credit bureaus. Not every secured credit card in the market provides this facility.
Once the bank has approved your credit card application, you can decide on the amount of security deposit you like to make. The deposited amount gets doubled with your credit line. You can use the amount to clear your balance in case of any default. If you want to close your account, the bank will allow you to get back the deposit.
The minimum deposit for the Home Trust secured credit card holders is $500, while the maximum deposit for the credit account is $10,000. Your payment activities will be reported to the major credit bureaus in Canada. If you pay off your balance on time, you can increase your credit score within a few months.