Home Trust
Read all reviews for Home Trust →
Not as good as I thought to be for foreign exchange
I have been using the Home Trust Visa for travelling purposes and so far the exchange rate was comparable to the market exchange on the transaction date. I usually check the market exchange us to can before I charge it. But recently, I found out they are not using the market currency exchange, and that's why I found the rate is higher. After I spoke twice with their customer agents who was not knowledgeable and professional, also not helpful, they actually use visa.com exchange rate which is little higher than the current market exchange rate. Yes, they don't charge exchange fee which is still lower than regular credit cards or banks. As long you call them before you travel, then you won't have a problem using at other countries. This card is good to use as long you don't have a problem, else their agent won't able to help you much as they are not well trained. Now, I do check the rate at visa.com before I use it.