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Bad Credit FAQs about our No-Fee Secured Visa Credit Cards - by Home Trust available here at Dominion Lending Centres in Canada!

Check out our answers to frequently asked questions about bad credit and our No-Fee secured Visa credit cards here at Dominion Lending Centres! Click the question-link you're interested in below - and you'll shoot down to it's answer on this same page:

What kinds of credit cards do you offer for people in bad credit situations in Canada?

Here at Dominion Lending Centres, we actually offer Canadians 2 great credit card options for bad credit situations! Our Home Trust Secured Visa Credit Card line of credit cards includes both a Low-Rate Secured Visa and a No-Fee Secured Visa - both are considered 'easy approval' credit cards for people who have encountered bad credit situations in Canada (P.S. bad-credit can happen to anyone!).

Is your No-Fee secured Visa credit card available to me if I'm currently in a bad credit situation?

Even if you're in a bad credit situation - YES you can still apply and probably get approved for our Home Trust No-Fee secured Visa credit cards! That's why we're proud to offer Home Trust secured Visas here at Dominion Lending Centres: they don't discriminate against Canadians who have found themselves in a bad credit dilemma - your credit score can be badder than bad and you could still get a Home Trust secured Visa with us here at Dominion Lending!

What if I JUST got out of bankruptcy - can I still get approval for a No-Fee Home Trust Secured Visa Credit Card from Dominion Lending Centres?

Great News: YES even if you JUST got out of bankruptcy - you can still get approval for a No-Fee secured Visa by Home Trust - through us here at Dominion Lending! We don't hold your past bankruptcy against you - it can happen and has happened to a lot of Canadians lately, so don't ever feel bad about it. As long as the judgments have come off your credit bureau after your bankruptcy is done - then yes, feel free to apply for our Home Trust No-Fee secured Visas! (Note: sometimes there is a waiting time for judgments to come off your bureau or the creditors just don't get around to taking them off fast enough - so contact your financial advisor or trustee if they're still showing up on your bureau)

What if I'm in consumer proposal - that's a really bad credit situation - can I STILL get approved for a No-Fee Home Trust secured Visa through Dominion Lending Centres?

Great News: YES even if you're STILL in consumer proposal - you CAN get approval for our easy approval secured Visa credit cards by Home Trust - here at Dominion Lending Centres! We don't hold your consumer proposal against you, we don't hold your bad credit against you - we're happy to be able to offer Canadians like you the opportunity to have a credit card that works (like regular credit cards - it builds your credit, and works at all the same stores regular/unsecured Visas do) even when you've happened upon bad credit/consumer proposal situations!

What kind of cash deposit do I have to pay to get your No-Fee secured Visa credit card by Home Trust? Is it in the thousands?

Thankfully, our cash deposit for our Home Trust secured Visa credit cards - including our No-Fee secured Visa option - is very low: only $500 - which IS refundable if you ever cancel your Home Trust Visa (as long as it's paid-up in full of course). Most banks and credit card companies that offer "secured Visas" require a larger cash deposit OR their credit-cards are not as "easy approval" as ours are here at Dominion Lending. With us, you can have bad credit, just be finished bankruptcy, or be in consumer proposal - and still get a secured Home Trust Visa credit card!

How do I go about getting a No-Fee secured Visa by Home Trust - can I apply here on the Dominion Lending Centres website? I don't have to meet anyone in person do I?

It's easy to get a Home Trust No-Fee Secured Visa Credit Card with us here at Dominion Lending Centres: simply fill out our online Canadian credit card application: No-Fee Home Trust Secured Visa Application - it's that simple: you don't have to meet anyone in person!

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Please Note: All Visa credit card offers, credit card or mortgage rates, Visa Rewards, and any other products, offers, perks/deals, and information on this website is subject to change without notice.

Any Canadian in any Canadian province is welcome to apply for our Dominion Lending Mortgages. When it comes to our easy-approval "Home Trust Visa Secured Credit Cards" for bad-credit - all residents of Canada are welcome to apply except for the residents of Quebec at this point in time. Thank you for your understanding.

Approval for our Dominion Lending Mortgages or Home Trust Visa credit cards cannot be guaranteed. Applicants must be Canadian and the age of majority in their province of residence, which is 18 in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan, and 19 in British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, and the Yukon.