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Email this4:04 pm
October 21, 2013
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I don't know about your credit SCORE, but it will affect how much credit you can get through other cards or loans.
8:18 am
November 19, 2014
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moneyhelp said
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?
I got the same email with the same offer. Somewhat surprised and curious given stories of HT being reluctant to do increases in the past for others. I'm not going to do it anyway.
Yes, it will affect your credit report. All uses of credit do. Probably immaterially though.
4:41 pm
February 17, 2013
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No email. Current limit is 7K. Yours?
11:37 am
February 20, 2018
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Conclusion is the card good or not on foreign exchange and is the road side assistance reliable?
12:49 pm
December 1, 2016
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Rick said
No email. Current limit is 7K. Yours?
$4K
12:50 pm
December 1, 2016
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hotmony said
Conclusion is the card good or not on foreign exchange and is the road side assistance reliable?
Still haven't used it for either (I have for everything else), but would love to know from anyone that has, specifically the roadside assistance.
1:06 pm
February 17, 2013
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hotmony said
Conclusion is the card good or not on foreign exchange and is the road side assistance reliable?
I find it good for my purposes...basically anything charged in USD, either on line or in person. Their FX is less than allowing PayPal, Tang, AMEX, or other visa or M/C's I use to convert. So saves me money - that's my bottom line. Any of their shortcomings are secondary. Have not had the opportunity to use their roadside assistance.
3:24 am
October 11, 2015
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I used the card in Europe last summer. I liked not paying the 2.5% credit card fee on foreign transactions. Did I ever check the actual rate that they charged me to see if it compared with a "regular" visa or M/C? No. And, thankfully, I haven't needed the roadside assist yet (and hope that I will never need it!). It is a free card so I'm happy to have the roadside assist. (The last time I needed roadside assist, it came from the car manufacturer and they were not speedy!)
6:04 am
November 7, 2014
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I also used it in Europe in October. Exchange rate was good. No problems with the card. Haven't used roadside assistance.
10:00 am
November 19, 2014
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My current limit is 5K. They were offering to up it to 7K.
I have not used the roadside service.
I do use it when traveling and I also use it at work since we occasionally have to pay US vendors who only accept credit cards.
As an example I charged USD763.27 to the card on November 20.
They exchanged it at 1.3321
The Bank of Canada rate for the day was 1.3259
A difference of 4.73$ on the transaction. Not to bad at all.
10:35 am
December 17, 2016
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Koogie said
As an example I charged USD763.27 to the card on November 20.
They exchanged it at 1.3259
The Bank of Canada rate for the day was 1.3321
Because I'm always curious about rates, particularly for the free foreign transaction fee cards, was the November 20 charge the transaction day or posted day charge?
I use the Visa Exchange Rate website for exchange rate info (I've found that page to be incredibly accurate for Euro conversion)
November 20 - 1.320368
November 21 - 1.332067
November 22 - 1.331967
https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html/
11:06 am
November 19, 2014
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I amended my post. I inadvertently switched the rates because it is Friday, I was typing to fast and I want to go home ...lol
I used the BOC rate for Nov. 20, the same date as the transaction date. If we use the posted date (21st) it is only slightly different.
They used: 1.3321
BOC, 20th: 1.3259
BOC, 21st: 1.3270
~ a slight improvement over the transaction date.
So, it looks to me like they used posted date and your Visa Exchange rate from the 21st. (1.332067 = 1.3321) Which makes sense as it is a Visa card.
Either way, no matter what rate you compare it to a spread of under $4 on a $1000 transaction is pretty good.
11:09 am
December 1, 2016
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Koogie said
I do use it when traveling and I also use it at work since we occasionally have to pay US vendors who only accept credit cards.
Just curious, did you call Home Trust to let them know you were traveling, just so they don't flag it as possible fraud?
I realize it always best practice, but curious if anyone who has travelled with this card called in advance and let HT know.
This question is also for @gicjunkie and @dentgal since you mentioned you used it while traveling.
11:15 am
December 17, 2016
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Thanks @koogie
11:16 am
November 19, 2014
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I have not alerted them, no. Haven't had any troubles.
Mind you, I tend to prebook travel accommodations (at least the first night) on the card when traveling somewhere so they can definitely tell we are going to be traveling before we actually go.
12:22 pm
October 11, 2015
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Thank you, TopItUp for the link!
I'm just going to book a trip--$3000 USD so saving 2.5 transaction fees would come out at approx $100 savings. BUT, i just realized that my "normal" credit card has trip cancellation insurance whereas the Home Trust doesn't. I could purchase separate cancellation insurance, but I think that I'll stick with my BMO World Elite. And, I did not tell home trust that I was traveling. With most credit cards, you no longer have to tell them.
11:45 am
February 21, 2019
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I have a question about Roadside Assistance > Gas delivery. Please explain, does it means that only delivery of gas is free and you would have to pay for price of gas OR gas and delivery both are free?
2:55 pm
October 11, 2015
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Well, I guess I won't be using the Roadside Assist for a while--I just splurged on a new car with Roadside Assist.
I did accept the increased limit with the card--just in case I need it when I travel. (Summer trip planned to Europe). I've booked any foreign charges with the card (ie. Vueling Airlines in Spain; and a hotel in Portugal).
I just opened my latest statement from Home Trust and I received my 1% cash back credit---a whole $26.52!! I'll take it!
So far, I'm very happy with the card--even though it was a pain to apply for it.
6:01 pm
February 9, 2019
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Any word if you can change the pin yet? I have never used my card except for bill payment.
7:22 pm
April 6, 2013
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uniQChick said
I have a question about Roadside Assistance > Gas delivery. Please explain, does it means that only delivery of gas is free and you would have to pay for price of gas OR gas and delivery both are free?
I think both are free. This is from the Benefits Guide brochure that came with the card:
Emergency roadside assistance
You're protected for up to four emergency roadside services per year, 24 hours a day, 7 days a week in North America. We'll arrange for emergency towing service to get your car to a garage. If you run out of gas, we'll have 5L delivered to you free of charge. Also included are tire service, winching, battery boost and lost key lockout assistance. If you're in need of assistance, simply call 1-877-…
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