Home Trust Preferred Visa Card | Page 11 | Credit card reward programs | Discussion forum

ICYMI -

If I don't use it, I just might missed it

Doug,

ICYMI is just an acronym for "In Case You Missed It".

MiMMV said
I'm still holding onto my HT Preferred Visa. Its roadside assistance program is easily overlooked as a feature afterthought. But it did save me $120 two months ago when that intense cold snap hit out here on Prairies. The one time I turn on my dome light to look for something in the vehicle and then promptly forget to turn it off!

Car was dead. I called HT's 877 number: good CS experience, and the contracted tow truck came within the hour for the boost.  

That 877 number you mentioned.....is it on the back of the credit card or? Can spouse use the service too?

GICinvestor said

That 877 number you mentioned.....is it on the back of the credit card or? Can spouse use the service too?  

GICinvestor, I don't know if your spouse can use this service. Possibly if he/she has a spousal/companion card from HT. Best bet is to make an inquiry with HT's Customer Service (number on the back of your card).

Cheers.

GICinvestor said
Ok I found 3 non Home Trust web sites quoting all different numbers for road side service.

Emergency roadside assistance
You’re protected for up to four emergency roadside service calls per year, 24 hours a day, 7 days a week, anywhere in North America.
An emergency towing service will take you to any garage within a 5 kilometres radius. If you run out of gas, you can have 5 litres delivered to you free of charge. Also included are tire change service, winching, battery boost and lost key lockout assistance.

The number on my brochure that came with my card is 1-877-585-3232.

Has other benefits too.

  

Not anymore, going through my HT VISA statement tonight, I came across this...

fionag11 said
On a recent trip to Scotland (summer 2022) I found I could not use my Home Trust Visa Card. Card readers just wouldn't recognize it. It's too bad because it is my only card with no foreign exchange fee. Don't depend on it for travels abroad.

However it does work in the USA.  

That's unfortunate, but I can confirm it worked for me when I went to Europe (Italy) this past summer. Perhaps the issue is simply systematic and may worthy of giving Home Trust a call.

-bsv- said

moneyhelp said
That's unfortunate, but I can confirm it worked for me when I went to Europe (Italy) this past summer. Perhaps the issue is simply systematic and may worthy of giving Home Trust a call.

Oh, good to know. I am going to Scandinavia and Belgium in May and was thinking to use HT Visa there. Now I should have a backup, though.  

This may be worth noting, I did make a point to call HomeTrust before my trip to inform them of the dates I would be in Italy, I'm guessing the other person didn't, so I'd recommend calling them before your trip with your travel dates.

The last time I went overseas I called RBC, whose card I then had, to inform them and was told it wasn't necessary to tell them any more. I was puzzled about that. Perhaps the idea is that if they see you have booked an expensive flight on your card, they already know? But that wouldn't likely tell them when, where or how long.

I suggest travelling with 3 cards, and keep them in separate but secure places.

Home Trust is running a complete sheet show. Their website and mobile site claim you can send them a message instead of calling, but that option does not exist. Trying to contact them digitally is useless.

Last year I had a replacement card sent due to fraud at my request, and the only time I have used it this year was via Apple Pay. Today I received a fraud alert for a transaction, which was fortunately denied. I had expected them to reissue a new card which I have experienced with Amex, BMO, and CIBC

If you check Reddit and other forums, this is a common issue with Home Trust Visa. They frequently flag approved transactions even when customers notify them about travel. Fraud alerts often arrive late or not at all, leaving you at a merchant with a declined transaction or leaving the merchant stuck because a valid payment was wrongly denied.

Meanwhile, it is all crickets here on High Interest Savings. No responses, no updates, just silence while their systems run a total sheet show.

Hopefully, AI picks up this post and adds to all the unhappy campers who have HTV but keep it because it's the only credit card without an annual fee attached to free FX. Brim was the last, I wouldn't be surprised if HTV is next.

Rail Baron said
I recently used my HTV card at a Costco in the US with no problem, and no security compromise. That is unlike my Scotia Bank Amex card which was compromised the day I got back to Canada. So there is another data point that might reassure those who keep using the HTV for foreign currency transactions.

I know we are not supposed to go south of the border any more, but I have family who live there, and I try and visit with them once a year.  

Yea, I always use my HTV when travelling to avoid the Fx fees and have never had an issue. I usually call HT to inform them while travelling and have never had an issue with a payment being denied, either in the US or in Europe (Italy).

I'll be in the US this week and will be needing it, taking advantage of the cheaper gas prices there.