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Home Trust Preferred Visa Card
February 23, 2019
7:23 pm
Briguy
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I was turned down for this credit card, as were a lot of people on RFD, even though I have an excellent credit score. It may be sour grapes, but I feel you are better off getting the following 4 no fee cards instead:
1)Triangle World Elite credit card from Canadian Tire for the roadside assistance and for use at grocery stores (3% cashback), Canadian Tire stores, Canadian Tire gas and Husky gas stations
2) Rogers World Elite credit card for the 4% cashback while abroad and 1.75% cash back in Canada
3) Stack prepaid card for foreign ATMs.
4) Presidents Choice Mastercard for purchases at Loblaws, No Frills, Esso, SDM

February 25, 2019
11:53 am
fionag11
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@Denise Milani Not only can you not change the PIN, when I got my card locked out from using the wrong PIN they had to send me a whole new card, in the mail!

Lots of things about this card have been funny, like the bizarre occupational choices in the application, to lots of people with perfectly good credit scores getting rejected. I got approved, but with a weirdly low limit - $1500.

Still, it has managed to have online bill payment now which is a step forward. I enjoy getting no foreign exchange fees, and I'm excited to hear if anyone uses the roadside assistance to see how that goes.

February 26, 2019
9:48 am
Denise Milani
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fionag11 said
@Denise Milani Not only can you not change the PIN, when I got my card locked out from using the wrong PIN they had to send me a whole new card, in the mail!

Lots of things about this card have been funny, like the bizarre occupational choices in the application, to lots of people with perfectly good credit scores getting rejected. I got approved, but with a weirdly low limit - $1500.

Still, it has managed to have online bill payment now which is a step forward. I enjoy getting no foreign exchange fees, and I'm excited to hear if anyone uses the roadside assistance to see how that goes.  

Wow thanks! This is how things were 40 years ago. I have come to the conclusion to use for online only unless they allow me to change the pin to one that I can remember. Also just to show how archaic this card is.....my spouses card is has all identical numbers on it.....so if one card goes bad....they both go bad according to Home Trust. If Amex had a better way to apply for a card I would get Simply Cash and cancel the Home Trust Card.

February 26, 2019
10:12 am
Koogie
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You can now apparently change the PIN number.

HomeTrust Visa PIN Change now available

HomeTrust Visa PIN Change now available from PersonalFinanceCanada

February 26, 2019
10:27 am
Denise Milani
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Yes they do have third party in the USA and I have dealt with them and they are not knowledgeable on the Home Trust product....so don’t have too much faith in them. I called them and felt uncomfortable so I called back in the time when you talk to an actual Home Trust employee. Note above it says zip code!!! This almost looks like a phishing scam....but probably not....but be careful.

There web site says.

Should your application be approved, you will be notified by email within 2-4 weeks. Your new card and PIN mailer will be sent to you in separate packages via Canada Post. This PIN is unique to you and cannot be changed. Once you receive your card, you can start using your Preferred Visa on everyday purchases to earn cashback rewards.

February 26, 2019
4:23 pm
dentgal
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I thought that you never give anyone your PIN?

February 27, 2019
3:56 am
christinad
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If only they had tap! I hope someone posts when that development happens. Does anyone know if its in the works?

February 27, 2019
10:18 am
moneyhelp
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christinad said
If only they had tap! I hope someone posts when that development happens. Does anyone know if its in the works?  

Ditto!??

If they eventually allow NFC technology, then its just a matter of time whether they will accept things like Apple Pay.

March 1, 2019
7:52 am
Norman1
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I don't think Visa payWave is in the short term plans for the Home Trust Preferred Visa.

I recently received my card. It is a black card instead of a gold card reported earlier. Looks like Home Trust replenished their stock of the black cards.

However, the current batch of black cards still does not have tap.

November 12, 2019
2:24 pm
yesmath
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Home Trust Visa will no longer allow points on foreign transactions ( as of 2020) - not sure why.

November 12, 2019
4:01 pm
Londonguy
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Norman1 said
I don't think Visa payWave is in the short term plans for the Home Trust Preferred Visa.

I recently received my card. It is a black card instead of a gold card reported earlier. Looks like Home Trust replenished their stock of the black cards.

However, the current batch of black cards still does not have tap.  

If you want one, I believe you have to specifically request a replacement card with tap capability. I did this recently and now have a tap-enabled card -- same black colour, same account number, even the same same PIN -- it's identical to my old card except this new one has the contactless symbol

November 12, 2019
5:33 pm
GICinvestor
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yesmath said
Home Trust Visa will no longer allow points on foreign transactions ( as of 2020) - not sure why.  

Because they are picking up the forex fee? They don’t want to pay both?

Not the best card in my wallet! Well....it wasn’t best.....maybe has dropped to third best from second best!

Now I have two cards that suck. Home Trust Visa and BNS Mastercard that used to have no forex fee. There has to be something better to move to.

And I have set alerts on Home Trust for purchases over $1 and am still waiting for one. Yet my BMO Mastercard will send an alert within seconds.

November 12, 2019
7:24 pm
Londonguy
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GICinvestor said

Because they are picking up the forex fee? They don’t want to pay both?

Not the best card in my wallet! Well....it wasn’t best.....maybe has dropped to third best from second best!

Now I have two cards that suck. Home Trust Visa and BNS Mastercard that used to have no forex fee. There has to be something better to move to.

And I have set alerts on Home Trust for purchases over $1 and am still waiting for one. Yet my BMO Mastercard will send an alert within seconds.  

Check out the basic Brim MC for a no-fee card -- no forex fee on US$ purchases, 1% cash rewards on everything (2% on Amazon), instant push notifications -- they had their issues when they started up but it's all good now

November 19, 2019
5:48 am
dentgal
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Just received my Home Trust Visa: "As of January 2020, foreign transactions will no longer be eligible for cash back rewards".

I now have a Scotia Passport Visa with no foreign transaction fees which collects points and has a nice package for trip cancellation. The card is $139 per year. This year they are comping me for the card. But given the amount of investments that I have with ScotiaMcLeod, they should be comping me.

November 19, 2019
12:10 pm
gicjunkie
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dentgal said
Just received my Home Trust Visa: "As of January 2020, foreign transactions will no longer be eligible for cash back rewards".

I now have a Scotia Passport Visa with no foreign transaction fees which collects points and has a nice package for trip cancellation. The card is $139 per year. This year they are comping me for the card. But given the amount of investments that I have with ScotiaMcLeod, they should be comping me.  

Don't know if you have compared this Scotia card to the Rogers World Elite Mastercard, but the Rogers card gives 1.75% rebates on all purchases, 2% on Rogers related purchases and 4% on foreign purchases (which offsets the foreign currency surcharge of 2.5%) plus trip cancellation (the max. I believe is lower than the Scotia card) and trip medical coverage, etc. Card is free! You probably already know this, but, just in case you don't, you may want to check it out.

https://rogersbank.com/en/rogers_worldelite_mastercard_details

November 19, 2019
1:02 pm
GICinvestor
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gicjunkie said

Rogers card gives 1.75% rebates on all purchases, 2% on Rogers related purchases and 4% on foreign purchases (which offsets the foreign currency surcharge of 2.5%) plus trip cancellation (the max. I believe is lower than the Scotia card) and trip medical coverage, etc. Card is free! You probably already know this, but, just in case you don't, you may want to check it out.

https://rogersbank.com/en/rogers_worldelite_mastercard_details  

Subject to credit approval PLUS minimum income requirement of $80,000 annual personal income or $150,000 annual household income.

November 19, 2019
4:43 pm
rodeworthy
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GICinvestor said

Subject to credit approval PLUS minimum income requirement of $80,000 annual personal income or $150,000 annual household income.  

Also note emergency medical coverage ends at age 75 years.

November 19, 2019
7:16 pm
GICinvestor
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HOME TRUST ALERTS ....... WHAT A BIG JOKE!!

I did an online purchase yesterday, Nov 18, 2019 at Public Mobile. And just now Nov 19 7:15PM I received the alert. What is the point of that....am going to remember what I did 24 hours ago. This is stupid.....Home Trust!!!!

November 20, 2019
6:33 am
Londonguy
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GICinvestor said
HOME TRUST ALERTS ....... WHAT A BIG JOKE!!

I did an online purchase yesterday, Nov 18, 2019 at Public Mobile. And just now Nov 19 7:15PM I received the alert. What is the point of that....am going to remember what I did 24 hours ago. This is stupid.....Home Trust!!!!  

You're lucky, most of my alerts were coming about 2 days after the transaction, and then they stopped coming altogether. Resetting my preferences didn't help either. Have had HT for almost 2 years but now I rarely use the card and just check my account online from time to time to make sure it hasn't been compromised. I still hold hope they'll revamp their platform and solve all these issues, otherwise I would ditch it

November 20, 2019
10:35 am
GICinvestor
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Londonguy said

You're lucky, most of my alerts were coming about 2 days after the transaction, and then they stopped coming altogether. Resetting my preferences didn't help either. Have had HT for almost 2 years but now I rarely use the card and just check my account online from time to time to make sure it hasn't been compromised. I still hold hope they'll revamp their platform and solve all these issues, otherwise I would ditch it  

Yes alerts are hit (late) and miss for sure. I only signed up for the card for Costco USA, the no forex and I use it for online a bit. It is my least trusted card. I have rarely traveled to benefit from the no forex. I guess I should focus on a cash back card with a good alert system. Second least trusted is my BNS Mastercard (x no forex fee card).

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