Apply for a Visa Credit Card

FAQs about "No-Fee" Secured Visa Credit Cards for Bad Credit available at Dominion Lending Centres created by Home Trust - Visas for Canada!

Read these often asked questions to learn about No-Fee secured Visa credit cards for bad credit here in Canada. Just click a question you'd like to know the answer to below - and you'll fly down this same page to read it's answer:

What kinds of credit cards can I get from Dominion Lending Centres when I'm in a really bad credit situation here in Canada?

Here at Dominion Lending Centres we can offer Canadians like you what we call "secured Visa credit cards" which are perfect for bad credit situations! Secured Visas are very easy approval credit cards - well here at Dominion Lending anyway! We don't discriminate against people for having bad credit - or for just getting our of bankruptcy, or even for currently being in consumer proposal - all of our secured Visas (created by our friends at Home Trust) are easy approval, and available here at Dominion Lending Centres!

Do you offer a "No-Fee" Secured Visa Credit Card here at Dominion Lending Centres? Or are 'No-Fee' options just for your regular credit cards?

YES: we offer a "No-Fee" secured Visa here at Dominion Lending Centres - it's a Home Trust Visa that doesn't require you to pay any annual credit card fees! You'll be 'fee-free'! This is a great option if you want to keep some money in your pocket each year and still have a credit card. If you choose our Low-Rate secured Visa by Home Trust instead of this No-Fee option - you would have to pay $59 a year for it - but this No-Fee secured Visa doesn't have that fee!

Can I add a secondary/additional cardholder to my new Home Trust No-Fee Secured Visa account at Dominion Lending Centres?

Yes: here at Dominion Lending you'll be allowed to add a secondary/additional cardholder to your new No-Fee Home Trust Secured Visa account - like your spouse or other family member. That way you'll know they have a credit card in case of emergencies - which can add to your peace of mind. Just make sure to coordinate how you share the balance on your credit card for purchases, and how you keep your joint-Visa paid-up (use online banking right after you all make purchases to pay off the card) so that you can avoid maxing out your Visa and keep it's balance free for future purchases!

Do I have to pay a fee for having a secondary/additional cardholder on my new No-Fee Secured Visa Home Trust account at Dominion Lending?

Great news: there are no annual fees for you to add a secondary cardholder to your new No-Fee secured Visa credit card for bad credit - you don't pay fees for your own Visa Card, and you don't pay fees for your additional card either! So yes, it's free to add your spouse or other family member to your new Home Trust Visa account here at Dominion Lending.

Are there other fees I could be charged that I could easily avoid if I use my new Canadian No-Fee Home Trust Secured Visa properly?

In order to avoid additional/extra fees that could be charged on your new Home Trust No-Fee secured Visa for bad credit - we advise you to:

  • never max out your new No-Fee Home Trust secured Visa
  • always pay any minimum payments on time and in full
  • coordinate your usages and payments of your new Visa with any secondary/additional cardholders you've added to your Home Trust Visa account - so that you don't simultaneously use the Visa card for large amounts and go over the limit by mistake
  • Make sure to use your new Home Trust No-Fee secured Visa at least once a year to avoid any fees you could be charged for keeping the card inactive

How do I apply online for a No-Fee Home Trust secured Visa? Can I do that here on the Dominion Lending Centres website?

Yes, you can easily apply for our No-Fee secured Visa credit cards for bad credit right here on our Dominion Lending Centres website! Just use the following link: Apply Online for Secured Visa Credit Cards for Bad Credit

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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.