Learn about how easy it is to get approval for our Home Trust "No-Fee Secured Visa Credit Cards" here at Dominion Lending Centres! Just click on a question-link below - and you'll travel down this same page to it's answer:
We're happy to let you know that here at Dominion Lending Centres, our Canadian "No-Fee Secured Visa Credit Cards" by Home Trust ARE "easy approval" credit cards! Even if you have super bad credit - or have just finished bankruptcy - or even if you're still in a consumer proposal situation - it's okay: you can still get approved for our No-Fee secured Visas! Some other banks and credit card companies here in Canada don't have an "easy approval" process for people applying for their 'secured' Visas - so we're proud to be able to offer these Home Trust secured Visa options to you!
Yes: your new No-Fee secured Visa credit card WILL work just like regular Visa credit cards! First off - these No-Fee Home Trust Visas WILL "build credit history" for you - they DO show up on your credit bureau JUST like regular Visa credit cards do! (unlike pre-paid or debit or gift-card credit-card options that cannot contribute to your credit-building). ALSO these No-Fee Home Trust secured Visas DO work at all the same stores online and offline that regular/normal Visas do! We're well aware of how "debit credit cards" and "pre-paid credit cards" still fall short in that area - but our secured Visas here at Dominion Lending Centres are different: they DO work like regular Visas!
You're right: there is no such thing as an absolutely 'guaranteed credit card' in Canada. It's impossible for any bank, trust company or credit card company to 'promise you a real credit card' without some sort of approval process! Our Home Trust Secured Visa Credit Cards are VERY 'easy approval' credit cards: they are one of the closest things to a 'guaranteed credit card' that you can get...we can't totally guarantee you'll get one but let's put it this way: virtually everyone who has applied for Home Trust secured Visas have been approved - they're THAT 'easily approved.' If you have concerns that your bad credit situation or previous bankruptcy may affect your approval, keep reading our next couple FAQs for more great news!
Even with really bad credit - our No-Fee secured Visa credit card can STILL be an 'easy approval' credit card for you! Here at Dominion Lending we don't hold it against you if you've fallen into a bad credit funk: it can happen to a lot of people at no fault of their own. And even if you just came out of bankruptcy - as long as the judgments have disappeared from your credit bureau (sometimes it takes a bit of time for them to take them off - talk to your financial advisor or trustee if they're not off yet) - our Home Trust Secured Visa Credit Cards can still be 'easy approval' credit cards for you!
This is one of the reasons we're so proud to offer the Home Trust Secured Visa line of credit cards here at Dominion Lending Centres: Home Trust Visas are obtainable by people currently in consumer proposal! What a relief! It can be hard enough to be in a consumer proposal situation - and then to not be able to use a credit card for simple things - like shopping or paying bills online, paying for parking etc. - can be downright inconvenient! Our Home Trust No-Fee secured Visas thankfully allow Canadians to have a credit card - even in consumer proposal situations!
It's easy to get our No-Fee secured Visa by Home Trust right here on our Dominion Lending Centres website: simply fill out the following credit card application: No-Fee Home Trust Secured Visa Credit Card Application