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Home Trust Preferred Visa Card
October 2, 2018
9:26 am
Top It Up
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Londonguy said
So once you use your card to buy a hammer at Home Depot in Blattsville, Manitoba or buy a pair of pants at Walmart in Bonchance, Quebec, your card data is now out there in borderless cyberspace.  

Which is exactly why I use Apple Pay exclusively for like 95% of my daily transactions - there is NO data exchange. Apple Pay uses Device Activation Numbers for contactless pay - only the issuing card FI knows the tie-in to the CC or DC number.

October 2, 2018
10:10 am
Rick
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Top It Up said
Well then, you're going to need one of these -

https://www.amazon.ca/ECO-WORTHY-2-2HP-Powered-Digger-Engine/dp/B01IP5DUEE/ref=lp_6257100011_1_15/140-7257658-1279340?s=lawn-garden&ie=UTF8&qid=1538482923&sr=1-15
And then, there are any number of videos on-line on How to make a PVC Pipe Storage Container  

LOL!! Not THAT far off the grid!!

Top It Up said
SO ... after you received the transaction alert and declined the charge, did Home Trust immediately freeze your credit card?  

They did not freeze it until I called this morning and alerted them about the fraudulent charge. Short wait on hold, courteous and friendly CSRs, card canceled immediately and new card/pin on the way.

Londonguy said
My point being, don't blame the card issuers, their systems are generally quite secure. OTOH, the retailers you patronize who have your payment info are usually pretty soft targets in comparison, and that's where the mass data thefts are occurring.  

Point taken. The pre-authorised merchants on my HT are exactly the same ones I had registered with my Amazon Visa for years (ebay, PayPal, Mattel) My in person charges are also limited to about 6 or 7 large US retailer (WalMart, Freddy's, Target..etc). The ONLY non-usual charge was the US Government for my Nexus card. Would hope it wasn't from them.

2 + 2 = 4

October 2, 2018
10:25 am
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Rick said

They did not freeze it until I called this morning and alerted them about the fraudulent charge. Short wait on hold, courteous and friendly CSRs, card canceled immediately and new card/pin on the way.   

Oh, so you didn't get an alert on the Brazilian charge ... hmm.

Did they tell you what kind of a charge it was i.e. card present or online with or without the CVV?

October 2, 2018
11:06 am
Londonguy
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Rick said

Point taken. The pre-authorised merchants on my HT are exactly the same ones I had registered with my Amazon Visa for years (ebay, PayPal, Mattel) My in person charges are also limited to about 6 or 7 large US retailer (WalMart, Freddy's, Target..etc). The ONLY non-usual charge was the US Government for my Nexus card. Would hope it wasn't from them.

The official script for the reps to read to you at the card issuing banks if you ask 'how did this happen to me' is to not tell you which merchant they know was hacked, and that's because that merchant is also their VISA/MC/whatever client and they aren't supposed to reveal the name. However, hacking news usually leaks out, voluntarily or involuntarily (especially the big ones), which is how you get lists as long as this -- https://en.wikipedia.org/wiki/List_of_data_breaches

Take a quick scan and choose your own likely possibilities. It happens a lot more than most people think.

October 2, 2018
11:08 am
Rick
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Top It Up said

Oh, so you didn't get an alert on the Brazilian charge ... hmm.

Did they tell you what kind of a charge it was i.e. card present or online with or without the CVV?  

They said it was declined because of the wrong CVV number so guess that would mean online.

October 2, 2018
11:16 am
Rick
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Londonguy said
The official script for the reps to read to you at the card issuing banks if you ask 'how did this happen to me' is to not tell you which merchant they know was hacked, and that's because that merchant is also their VISA/MC/whatever client and they aren't supposed to reveal the name. However, hacking news usually leaks out, voluntarily or involuntarily (especially the big ones), which is how you get lists as long as this -- https://en.wikipedia.org/wiki/List_of_data_breaches

Take a quick scan and choose your own likely possibilities. It happens a lot more than most people think.  

Thanx for the list. No way to do a quick look at a list THAT large.
How ironic is it that the US Dept of Homeland Security is on it for "poor security"? I believe they are the ones that handle the Nexus cards... not sure. Them, Target, WalMart and ebay would be possible contenders.

October 2, 2018
11:22 am
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Thanks for the follow-up info, Rick ... though disappointed to hear you didn't get an alert on the denied transaction, either by text or by email.

October 2, 2018
2:12 pm
fabafter50
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Rick said

They said it was declined because of the wrong CVV number so guess that would mean online.  

Rick, just double check that the dispute has been filed.
I went through all the steps, confirming what charges were mine and what weren't and that the card was in my possession.
They cancelled the card but DID NOT file the dispute so I still have, 8 weeks later, $800 worth of fraudulent charges on my card. I have been assured, again, that it is being taken care of, but I would never have any confidence in this company again and am still waiting.........................

October 2, 2018
2:56 pm
Rick
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fabafter50 said

Rick, just double check that the dispute has been filed.
I went through all the steps, confirming what charges were mine and what weren't and that the card was in my possession.
They cancelled the card but DID NOT file the dispute so I still have, 8 weeks later, $800 worth of fraudulent charges on my card. I have been assured, again, that it is being taken care of, but I would never have any confidence in this company again and am still waiting.........................  

Since the attempted charge was declined, there is no charge to dispute. Account was deactivated immediately, no unrecognized pending charges and new cards have been issued.

October 2, 2018
4:23 pm
fabafter50
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Rick said

Since the attempted charge was declined, there is no charge to dispute. Account was deactivated immediately, no unrecognized pending charges and new cards have been issued.  

That's good Rick 🙂

October 9, 2018
5:39 pm
User230
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Got approved today.

August 27 to October 09. About 44 days, 6 weeks and 2 days roughly.

October 10, 2018
7:41 pm
User230
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Canadian Kilometers wrote a post about this card today:

https://canadiankilometers.boardingarea.com/2018/10/10/home-trust-preferred-visa-review/

worth a read.

I also got my pin today.

I'll see if the card comes tomorrow.

October 10, 2018
7:45 pm
moneyhelp
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User230 said
Canadian Kilometers wrote a post about this card today:

https://canadiankilometers.boardingarea.com/2018/10/10/home-trust-preferred-visa-review/

worth a read.

I also got my pin today.

I'll see if the card comes tomorrow.  

Already read, but agreed, worth the read if you're thinking of getting this card or already have it. Such as, didn't realize you're only allowed 10 transactions/day.

In fact, I posed a question in the comments, but awaiting an answer patiently.

October 20, 2018
8:13 am
User230
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I got the card sometime last week. It's gold not black.

I think they are getting rid of all their none tap cards as they are going to roll out the tap cards. They are no longer getting black none tap cards.

They had many gold none tap cards left and gave those. As a holder over until the tap cards come out.

They might be on the low side of black cards due to demand but I think they are more likely to roll out tap cards.

The poll they did a few months back helps me think this.

October 23, 2018
8:58 pm
Norman1
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Home Trust has images of their three credit cards at Home Trust: Credit Cards.

Sounds like they've used up their stock of black Preferred Visa cards. They are now using their gold cards that are normally for their Equityline Visa card.

October 24, 2018
6:42 pm
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Norman1 said
Home Trust has images of their three credit cards at Home Trust: Credit Cards.

Sounds like they've used up their stock of black Preferred Visa cards. They are now using their gold cards that are normally for their Equityline Visa card.

It could be a number of reasons. They might be coming out with a new design, they are adding a feature like tap, or they might simply be running out.

From the survey, they recently did and their new hiring lately. Makes me think they might be preparing to do some major overhaling. Maybe down grade or upgrade their features of their card.

I'm expecting down grades or upgrades to Tangerine and the Costco Mastercard’s. Based on their recent activity of hiring (Tangerine) or surveying (Costco).

They might not be leading anywhere. To me it makes it more likely that if they survey they want to at least consider doing something. Hiring makes me think they are considering a new direction or are wanting to compensate for higher volumes of customer complaints or customers needing support for new products. It might also just be normal hiring.

It's a sign something might be occurring behind the scenes. It doesn't mean anything sometimes as well.

I think it's more likely something is in the works at Home Trust in terms of their Visa compared to the other two cards I mentioned. I don't think they are just running out of cards.

October 24, 2018
7:33 pm
Norman1
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I'm sure they can order more of their black cards.

I think Home Trust is intentionally not doing so and trying to use up their existing stock of cards (black cards and gold cards) that don't have the antenna for contactless VISA payWave.

I suspect many of the Home Trust Visa cardholders find it quaint that they can't use tap.

October 24, 2018
8:14 pm
Loonie
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"Quaint"! lol

Perhaps they are going to see how many of the old ones they can pawn off on people who are OK with quaint, and will give new ones to those who complain - when they get them.

Have to give them points for "waste not, want not".sf-wink

October 25, 2018
7:13 am
Londonguy
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Quaint is okay depending on what you use it for. For cardholders who only got their HT VISA to conduct no-forex online shopping as a replacement card for the discontinued Amazon VISA (like me for instance), the lack of a contact feature is irrelevant, as is the other common gripe about the HT VISA (i.e. that you can't change the PIN) since you also don't use a PIN in cyberspace.

Having said that, they'll no doubt catch up and upgrade the thing over time

November 19, 2018
2:24 pm
moneyhelp
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CREDIT LIMIT INCREASE!

After having the credit card for 6 months, I just got an email today with an offer to increase my credit limit. My question is, if I accept this offer, does this impact my credit score?

I don't believe it will as I have in the past when I owned an Amex card, with an increase, and didn't affect my score, but I don't know if Home Trust would be the same.

Anyone?

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