Read these faqs about the great Credit Card Offers that come with our 'No-Fee Home Trust secured Visa credit cards' specifically! Click the link for the question you want the answer to - and you'll travel down the page to read what we have to say:
Exactly. By choosing our "No-Fee Secured Visa Credit Card" by Home Trust specifically - you will NOT have to pay any regular annual credit card fees! As long as you use your new Home Trust secured Visa at least once year - you won't be charged any annual credit card fees! This is different than our Low-Rate secured Visa credit card option: that credit card comes with a lower credit card interest-rate - but you have to pay annual fees of $59 to have it - so basically by choosing our Home Trust "No-Fee" secured Visa: you'll be saving $59 annually!
There is a "secondary/additional" credit card offer that comes with this No-Fee Secured Visa Credit Card - so yes, you CAN add a spouse or other family member to your new Home Trust Visa Credit Card account! That way they can use your same Visa balance to shop, pay bills etc. - and you'll know that they have a credit card in case of emergencies!
Good News: since this is a "No-Fee" secured Visa credit card - and you, the primary cardholder won't be paying any annual fees - the same actually goes for any secondary/additional credit card holders you add to your new secured Visa Home Trust account (like your spouse or other family member). They/you won't pay annual fees for that secondary secured Visa credit card either! If you chose the Low-Rate Home Trust Secured Visa Credit Card option that we also offer here at Dominion Lending, they would have to pay $19 a year for being a secondary cardholder: but with this No-Fee secured Visa - they are free from fees too! Again - just make sure you use your new No-Fee Home Trust Visa at least once a year - so your credit card stays 'fee-free.'
The best and lowest credit card interest-rate for our "No-Fee secured Visa credit card" by Home Trust, is a standard Canadian interest-rate of 19.99%. This higher interest-rate will not bother you if you don't carry large balances on your new credit card, or carry balances for long periods of time. Say you kept your new Home Trust secured Visa paid off to zero each month - by paying it off a.s.a.p after you use it for purchases or to pay bills etc. - in that scenario you could avoid interest payments all together - so the 19.99% becomes a moot issue. If you plan on carrying larger balances on your secured Visa for long periods of time - you might want to check out our Low-Rate Home Trust secured Visa - which offers a great low Canadian interest-rate of 14.9% - which can keep your interest payments lower.
Yes actually: that's a good question! Our Home Trust Secured Visa Credit Cards come with the option to take out cash advances - from any ATMS worldwide that bear the "VISA" or "PLUS" logos! Phew right? We're proud to offer Home Trust secured Visas here at Dominion Lending Centres - because they really do ring true when it comes to meeting clients needs in the same way regular/unsecured credit cards do! As you probably know, our No-Fee secured Visas by Home Trust work just like regular credit cards: they allow you to establish or reestablish credit, or shop online/offline at all the same stores regular Visas allow you to - and can be used to pay reoccurring bill payments at places that might require them!
It's easy to apply for our No-Fee Home Trust Secured Visa Credit Cards: simply fill out our online credit card application, right here on our Dominion Lending website: No-Fee Home Trust secured Visa Application