Home Trust
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Great Credit Card for traveling internationally
I have been using their credit card for about 4 years now. This is not my primary card, and neither should it be yours. Pros: no foreign exchange transaction fee. I love this. No added fees when you buy something in USD or British pounds...etc. Unlike other credits cards, they will just convert back to CAD using the latest conversion rate. This is why I use their credit card when I travel outside of Canada. Or when I'm shopping online and paying in USD. Sadly, this is their only pros Cons: 1) Lack customer support. This is a small bank after all. 2) Oversensitive about fraud protection. I called them and told them I will be traveling to China. In China, I tried to buy a train ticket using trip.com. This was flagged as fraudulent and my card was locked. I get that Trip is a UK company and I said I was in China, but it wouldn't be out of the question that I was buying a ticket using a UK company. Not to mention I paid for my plane ticket and hotel while I was in Canada through Trip 3) Card deactivated because I was late on payment. I was late like 2 business days. This was back in 2019. I was in Halifax instead of my hometown. So I didn't get my credit bill in the mail. Nor did I check online for when my credit was due because I was on Holiday. Now I set up email billing notification to remind me when my CC bills are due soon. But it is ridiculous that they stopped my card because I was late for 2 business days. 4) Before I was getting my billing in mail. Often time I would receive it days before it is due. I use online billing now because I have to 5) No mobile phone app. I like to check my bills through mobile app. Biometric logins are so easy. If I check my hometrust billing, I have to go to their website and after a few wrong passwords your account will be locked and you will have to call them. Please make a mobile app. It will make all our lives so much easier. Not to mention if it supports biometric logins, I will never need to rememeber my password again. If you ever do this, I can see this becoming my primary card