Apply for a Visa Credit Card

How to Get a Credit Card EVEN with Bad Credit - using our Low-Rate Secured Visa Credit Card by Home Trust - offered by us, Dominion Lending Centres

Battling with bad credit? Lots of Canadians are these days - so don't beat yourself up about it. Here at Dominion Lending Centres we understand how irritating bad credit situations can be, and how they can happen at no real fault of your own. Changes in the economy and job losses, can all easily contribute to our bad credit situations gradually - until finally we find ourselves in a bit of a jam: without a credit card!

The Challenge: Not having a Credit Card Causes Irritation

Living without any credit card at all can be super frustrating, so we hear you! It prevents you from shopping online a lot of the time - we've tested those oh so hopeful 'debit cards' that are supposed to act like "credit cards" - and we've also tested "pre-paid' credit cards here at Dominion Lending Centres, and you know what? Those 'wanna-be' credit cards just don't cut it: there are too many places that don't take them - places you NEED to use a credit card at - for reoccurring bill payments etc.! There are even major Canadian online stores that only take 'real' Visa Credit Cards - they don't even seem to acknowledge these pre-paid/debit substitutes - but don't worry - here at Dominion Lending Centres - we have a great solution!

The Solution: Get a Credit Card Anyway - even with Bad Credit - from us, Dominion Lending Centres!

That's right: you can fix your absentee-credit-card woes: you can easily - yes easily - be approved for our Low-Rate secured Visa credit cards here at Dominion Lending Centres! You can have the worst of bad credit, you can still be in consumer proposal, or just finished bankruptcy! And you can still be easily approved for our Low-Rate Secured Visa Credit Cards! Not all Canadian banks or credit card companies allow you to be easily approved for their secured Visas - so this Home Trust secured Visa is a real treat! It doesn't discriminate against you: it's doesn't treat you like you're second best just because you've encountered a bad credit situation. That's what we like about the Home Trust secured Visas, and are proud to offer them here at Dominion Lending!

Created by our Lender friends at Home Trust Company, our Low-Rate secured Visa acts JUST LIKE a reg Visa! You can use it for reoccurring bill payments - to shop online at any store that a regular credit card would work at etc. etc.! And since this is a "Low-Rate" Secured Visa - it means comes with an amazing low credit card interest-rate of 14.9% - one of the best credit card rates for secured Visas in Canada! That means when you carry a balance on your new Visa from time to time - your interest payments will be far lower than they would be with a higher standard Canadian interest-rate (which can hover around 19.99%).

Yes: as their name so clearly states, these Home Trust Low-Rate secured Visas are 'secured' Visas - so they DO need a 'cash deposit' - but here at Dominion Lending Centres we require one of the lowest cash deposits in Canada - only $500 - and YES you do get that cash back if you decide to cancel your Visa card with us - it's not gone forever. It's just there to act as security in case you can't pay your balance off. And you can of course have a higher credit limit than $500 - all the way up to $10,000 - it just depends on what kind of cash deposit you are able to make: and don't worry, you can always increase it later if you can only go with the $500 cash deposit at the beginning.

Apply Online for a Home Trust Low-Rate secured Visa today - right here at Dominion Lending Centres - a Canadian Lending Company!

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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.