Please read the terms and disclosures included with this application. Authorization for Use of Personal Information You may collect credit, identity and financially related information about me during the course of my relationship with you from credit bureaus, other financial institutions, telecommunications providers and references (“Information”). You may also disclose Information to credit bureaus, financial institutions, Visa Canada and Visa International and their agents and to outside providers of card services. You and those parties may use Information to identify me, understand my needs and eligibility for this Application and for Card and other services to recommend and market particular products and services.
To obtain a copy of Home Trust's Privacy Code, visit www.hometrust.ca or call 1-888-281-7793.
Please open an Account in my name ("Account"), issue my Card, and Personal Identification Number. I agree that all activity will be for lawful, personal use by me or an Authorized User on the Card in accordance with Home Trust’s policies and procedures. I will not allow any use either directly or indirectly on behalf of any third party. I will be bound by the Cardholder Agreement you will send me, as amended or replaced from time to time; use of any Card applied for will prove I have received and read it. I will ensure that all Authorized Users review the Cardholder Agreement, other agreements and program terms you will send me.
Over Limit Fee: $29.00 charged at the end of the billing period if the Debt exceeds the Credit Limit during any period covered by an Account Statement.
Dishonoured (NSF) Cheque Charge: $45.00 for each cheque or other instrument used to pay Debt that is dishonoured by the financial institution on which it is drawn.
Account Maintenance Fee: for an inactive Credit Card Account with a credit balance that has not changed for 360 consecutive days, a fee of the lesser of $10.00 or the full credit balance will be charged on that date.
These fees are for services requested and will be charged on the day the transaction or event occurs:
ATM Charge: $2.50 for Cash Advances up to $250.00 and 1% of Cash Advances for amounts greater than $250.00 up to a maximum fee of $10.00 for Cash Advances from an ATM displaying the Visa or Plus logo located in Canada; $4.50 for Cash Advances up to $300.00 and 1.5% of Cash Advances for amounts greater than $300.00 up to a maximum fee of $15.00 for Cash Advances if the ATM is located in United States; $5.50 for Cash Advances up to $366.67 and 1.5% of Cash Advances for amounts greater than $366.67 up to a maximum fee of $15.00 for Cash Advances if the ATM is located out side of Canada and the United States. These fees are in addition to any other charges that may be levied by the owner/operator of the ATM.
Statement Copy/Update Fee: $5.00 for a copy of an Account Statement for any other period other than the current statement period.
Sales/Cash Advance Draft Copy Fee: $5.00 for each copy of a Purchase or Cash Advance draft. No charge will be applied for any copy of a draft to which an Account posting error is determined
Rush Plastic Fee: $39.00 for the delivery of a new or replacement Card by courier at the request of the Applicant(s).
You need to be a permanent Canadian resident
You need to be the age of majority in your province
You cannot currently be in bankruptcy
You need to pay a security deposit from a Canadian account in your name
You cannot be a resident of Quebec