Home Trust Secured Visa – Full Details
The previous page explained why Home Trust Secured Visa approves virtually everyone with no credit check. This page covers eligibility, applying, and Home Trust’s support channels.
Additional benefits
Monthly credit bureau reporting
Unlike cards that report less frequently, Home Trust reports payment activity every month, giving credit-building efforts a steady, visible trail.
Optional lower interest rate
Paying a $59 annual fee brings the interest rate down from 19.99% to 14.9%, worth considering for anyone who expects to carry a balance occasionally.
Eligibility requirements
There is no credit check and no minimum credit score; approval is centered on the ability to fund the chosen deposit and verify identity.
We recommend confirming current eligibility details directly on Home Trust’s official page.
Required documentation
- Government-issued identification
- Social Insurance Number
- Proof of income
- Current residential address
How to apply
Step by step
- 1. Apply online through Home Trust’s official secured Visa page.
- 2. Choose a deposit amount between $500 and $10,000.
- 3. Fund the deposit once approved.
- 4. Receive and activate the card by mail.
- 5. Use it responsibly, with activity reported monthly to the credit bureau.
Official contact
For account or application questions, use Home Trust’s official support lines.
Support channels
- Home Trust customer service: 1-877-727-6883 (Mon-Fri, 8am-8pm EST)
- Home Trust Visa customer service: 416-777-5851 or toll-free 1-888-281-7793 (Mon-Fri, 8am-8pm EST)
Other common questions
Is the deposit returned if I close the account?
Deposits on secured cards are generally returned once the account is closed in good standing with no outstanding balance; confirm the exact process with Home Trust.
Can I increase my deposit later for a higher limit?
Policies on increasing an existing deposit should be confirmed directly with Home Trust, since terms can vary.
Does bankruptcy history disqualify me?
No, Home Trust specifically states it approves applicants who have declared bankruptcy or have zero credit history, since there is no credit check involved.
Is Home Trust Secured good in practice?
For anyone who needs guaranteed approval regardless of credit history, it delivers exactly that, with monthly bureau reporting doing real work toward rebuilding credit over time.
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