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FAQs about our Low-Rate Home Trust Secured Visa Credit Cards v.s. Other "almost-credit-cards"

Read these frequently asked question below, to find out how our Low-Rate Home Trust secured Visa credit cards, here at Dominion Lending Centres, are MUCH different than prepaid, gift and debit credit cards - and how our Secured Visa Credit Cards by Home Trust operate JUST like regular Visa Credit Cards!

Is it as easy to get a Low-Rate secured Visa as a pre-paid Visa or gift-card Visa? Or do I need stellar credit, or a credit history to get a Low-Rate secured Visa with you guys at Dominion Lending?

It's extremely easy to get a "Low-Rate Secured Visa Credit Card" here at Dominion Lending Centres! We'd say almost as easy as getting a prepaid Visa or gift-card Visa: it's THAT easy! Compared to getting a regular 'unsecured' Visa Credit Card - getting our Low-Rate secured Visa by Home Trust can be a breeze! You do NOT need good credit - you can even have bad credit. You do NOT need a 'credit history' - you can even have a bad credit history! Even if you just finished bankruptcy or are still in consumer proposal - it's still very likely you can get approved for our Home Trust low-rate secured Visa credit card!

Do your Low-Rate Secured Visa Credit Cards operate like regular Visa Credit Cards - or are they only like 'gift-card credit cards'?

Great news: our Low-Rate secured Visas by our friends at Home Trust, operate JUST like regular Visa Credit Cards: they are NOT like gift-card credit cards. Gift-Card credit cards don't work everywhere - and they don't work for reoccurring payments, which you need them to sometimes in order to pay bills easily. But MOST importantly - our Low-Rate secured Visas build your credit and show up on your credit bureau just like regular Visa Credit Cards: gift-card credit cards definitely do not build your credit!

Are these Low-Rate secured Visa credit cards considered "pre-paid" Credit Cards? Or are they different than pre-paid credit cards?

Sometimes Canadians easily confuse prepaid credit cards with our Low-Rate secured Visa credit cards - but they are NOT the same thing! Although our secured Visa credit cards - like our Low-Rate Visa by Home Trust - are "easy approval" credit cards - almost as easy as pre-paid credit cards - our secured Visa credit cards have a LOT more to offer! They build your credit: they help you establish your credit or reestablish it. Our Low-Rate secured Visa credit cards also work at all the stores online and off that a regular Visa would, and can be set up to make reoccurring payments! Pre-paid credit cards do NOT build your credit score - and we've seen clients confused by this - and so we wanted to make sure you know that a) it's easy to get our secured Visa credit cards and b) our secured Visas will do more for you than a pre-paid credit card!

I got a Debit-Credit-Card from my Canadian bank - hoping it would allow me to shop anywhere online - but it didn't work at various US online stores, and didn't even work at a ton of Canadian ones. Do your Low-Rate "Secured Visa Credit Cards" allow me to shop freely online, or will they limit me too?

This has happened to a lot of Canadians: and here at Dominion Lending Centres we can provide you a great alternative to the "Debit-Credit-Card" while it's still making it's debut! Our easy approval "Low-Rate secured Visa credit cards" allow you to shop anywhere online JUST like normal/regular Visa Credit Cards do: you won't get to your shopping cart and then be disappointed by our Home Trust secured Visa credit card: it will work just like a regular Visa!

I thought my pre-paid credit-card would build my credit score when places do 'credit bureaus' - but it didn't! Will your Low-Rate secured Visa by Home Trust help me "build a credit score"?

We've had clients come in for mortgages before, that thought they had built a credit history - only to find they hadn't, because the "credit card" they were using wisely ended up to be just a pre-paid credit card. This happens a lot - it's nothing to beat yourself up about. But here at Dominion Lending Centres we're able to provide you with an easy approval credit card: a "secured Visa" that WILL in fact help you build a credit history and credit score - and aid you in building that credit history so you can try to obtain approval for mortgages in the future.

How do I apply for your Low-Rate secured Visa credit card by Home Trust? Is there an online credit card application I can use on your website?

It's very easy to apply for our Low-Rate secured Visa credit card by our lender-friends at Home Trust: which offers you a great low Canadian credit card interest-rate of 14.9% - one of the best and lowest rates for secured Visas in Canada! Simply fill out the following online application: Low-Rate Secured Visa Credit Card Application - and remember, since it is a "secured" Visa - it has to be secured by cash: our low cash deposit requirement is $500 - one of the lowest cash deposits required in Canada for "easy approval credit cards" like this one! Don't worry: your $500 IS refundable if you ever cancel your paid-up Home Trust secured Visa in the future!

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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.