Refresh Financial offers consumers the simplest way to establish and rebuild their credit with their Secured Visa card. This card is a great fit for consumers with little or no credit, poor credit scores or bankruptcy history because there are no credit checks and minimum income requirements. All you need is a security deposit and you?re approved.
Great credit card to establish and re-build your credit
Lower Interest Rate ? The competitive rates will ensure you keep your payments manageable.
Free education to boost your financial education ? The Refresh (f.i.t.) Financial Intelligence Training helps you increase your financial savvy so that you can be a better money manager.
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Refresh Financial?s Secured Visa Card helps you establish and rebuild your credit and improve your credit score.
Anyone with little or no credit, bankruptcy and consumer proposals can apply.
All you need is a security deposit to get approved. As you use your card and make monthly payments on time, they are reported to the credit bureaus and this builds your credit score.
The Home Trust Secured Visa is designed for individuals who need to rebuild or reestablish their credit. It offers easy approval for anyone and gives you a flexible credit limit, ranging from $500 to $10,000, depending on your security deposit. Of course, it also comes with other benefits such as a 21-day no-interest grace period and no annual fee.
Why We Like It:
Easy application – Start rebuilding your credit score immediately. Almost everyone is approved for this secured credit card.
No annual fee – You pay absolutely nothing to get and use this credit card.
Flexible credit limit – From a minimum deposit of $500, you can get a credit limit scaling at 1:1 all the way up to $10,000. The security deposit will also be reimbursed in full (minus the outstanding balance) should the credit card be cancelled in the future.
Low minimum payments – If you want to pay the minimum, you can pay whichever is higher: $10 or 3% of the monthly balance.
Monthly reporting – Home Trust reports your progress to major credit agencies each month – jumpstarting your credit repair.
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Home Trust Secured Visa Card Review
The best way to get the credit you deserve.
Build or re-build your credit, even if you’ve had credit difficulties in the past, or have never had a credit card before! An excellent opportunity to establish your credit rating.
Virtually everyone is approved.
Get all the benefits of Visa* while re-building your credit:
Make purchases over the phone or online
Plan and book a vacation
Access cash anytime, anywhere from over 1 million ATMs around the world displaying the Visa or Plus logo
Shop at over 24 million locations worldwide
The Home Trust Secured Visa Card is not available to residents of Quebec.