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Home Trust Preferred Visa disclosures

Please read the terms and disclosures included with this application.

Terms and conditions

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.

Authorization for account creation

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.

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Please read and agree to the following

Important information about this Home Trust credit card

The charges, fees and pricing listed are valid as of January 17, 2025, unless otherwise noted, and are subject to change.

Cost of Borrowing Disclosure statement

Which type of Secured Visa would you like?

No Fee - 19.99% Interest on Purchases Low Interest - 14.99% - $59 Annual Fee Low Interest - 14.99% - $5 Monthly Fee

Please review the entire disclosure statement. Once you have reviewed it, the accept button below will activate.

Annual Interest Rate	The Interest Rate is in effect the day the Account is used or activated. Purchases: 19.99% Cash Advances: 19.99%
Interest free Grace Period	21 Days The payment Due Date will be at least 21 days after the monthly Statement Date. No interest is charged for new Purchases if the New Balance is paid in full by the Due Date shown on the monthly Account Statement. There is no interest-free period on Cash Advances or balance transfers.
Determination	Interest is charged on the amount of each Interest-Bearing Purchase and Cash Advance from (and of Interest including) the transaction posting date until payment is received in full. Interest accrues daily and is calculated monthly.
Minimum Payment	3% or $10.00 The monthly Minimum Payment is the greater of $10.00 or 3.00% of the New Balance shown on the monthly Account Statement.
Foreign Currency Conversion	2% All transactions in a foreign currency will be converted into Canadian dollars at the exchange rate set by Visa International in effect on the day the transaction is posted to the Account, plus a 2% currency conversion charge.
Annual Fees	There is no annual fee.
Other Fees	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. Inactive Fee: $12.00 following each 12-month period of account inactivity (no credit or debit transactions) will be applied to your Home Trust Visa account. 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).

** Plus tax, where applicable. GST#: 10238 8600 RT0001

Annual Interest Rate	The Interest Rate is in effect the day the Account is used or activated. Purchases: 14.99% Cash Advances: 19.80%
Interest free Grace Period	21 Days The payment Due Date will be at least 21 days after the monthly Statement Date. No interest is charged for new Purchases if the New Balance is paid in full by the Due Date shown on the monthly Account Statement. There is no interest-free period on Cash Advances or balance transfers.
Determination	Interest is charged on the amount of each Interest-Bearing Purchase and Cash Advance from (and of Interest including) the transaction posting date until payment is received in full. Interest accrues daily and is calculated monthly.
Minimum Payment	3% or $10.00 The monthly Minimum Payment is the greater of (i) $10.00 or 3.00% of the New Balance shown on the monthly Account Statement.
Foreign Currency Conversion	2% All transactions in a foreign currency will be converted into Canadian dollars at the exchange rate set by Visa International in effect on the day the transaction is posted to the Account, plus a 2% currency conversion charge.
Annual Fees	$59.00 Annual Fee for the Applicant or, if the Applicant chooses to pay the Annual Fee on a monthly basis, $60.00 payable $5.00 per month $19.00 Annual Fee for each Co-Applicant and the Authorized User or, if each Co-Applicant or Authorized User chooses to pay the Annual Fee on a monthly basis, $24.00 payable $2.00 per month. To be charged on the first Account Statement and annually on the anniversary date of the first Account Statement or, if paid monthly, to be charged on each monthly Account Statement, starting on the first Account Statement
Other Fees	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 Fee: $45.00 for each cheque or other instrument used to pay Debt that is dishonoured by the financial institution on which it is drawn. Inactive Fee: $12.00: following each 12-month period of account inactivity (no credit or debit transactions) will be applied to your Home Trust Visa account 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).

** Plus tax, where applicable. GST#: 10238 8600 RT0001

I have read and agree to the interest rates and fees and the information provided electronically above.

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Declarations

Please click the checkboxes to confirm you have read and understood the declarations listed below

I am a permanent Canadian resident
I am not a resident of Quebec
I am the age of majority in my province
I am currently not in bankruptcy
I am not opening this account on behalf of any Third Party
I consent to a credit check and agree to the Credit Check Terms
I have reviewed the features of this Home Trust credit card and believe it is appropriate given my circumstances, including my financial needs
I have read and agree to the Privacy Code and Terms and Conditions

I have accessed, read, and agree to all the above declarations.

I agree to receive commercial electronic messages from Home Trust Company regarding products, services, or offers that may be of interest to me as a cardholder. I understand that I may withdraw my consent at any time.

We partner with Canadian credit bureaus and telecommunication providers to help us confirm your identity. These partners are trusted national guardians of personal information such as your name, address, phone number and social insurance number, credit card details, and other information that we may use to confirm your identity. The information being validated is already in their files and will not be shared with anyone.

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