I can't believe that.
I applied on Feb 8. Just noticed they did credit check on Mar 28. Still no word from HT whether I have been approved or declined.
Apr 20th, 2018 8:45 pm
I can't believe that.
Apr 21st, 2018 1:39 am
Sent them an email about my application April 19 2 am
Apr 21st, 2018 4:59 am
I received my first statement from Home Trust, and there is one USD purchase on it. Cash back shows $0.EdisonL299 wrote: ↑ I just checked my statement and confirmed I got cash back for foreign purchases.
Apr 21st, 2018 9:16 am
Apr 21st, 2018 10:42 am
Apr 21st, 2018 12:13 pm
Sign up for borrowell, Long thread here and it's free. They only update report once a month though.
Apr 21st, 2018 1:43 pm
Apr 21st, 2018 2:02 pm
Aha yeah, to be fair though this as before I worked with them so I don’t know :Pminimalist wrote: ↑ Oh, and you work for Loblaws...too bad they couldn't approve you!
Apr 21st, 2018 2:13 pm
Apr 21st, 2018 2:19 pm
They only ask for documents if they need to verify information and compare it with your credit report.
Apr 21st, 2018 3:26 pm
Apr 21st, 2018 4:47 pm
How do you expect to find out the problem without calling them? Wouldn't have made a difference anyway since they're only open from Mon-Fri 8am-8pm.Jenny1975 wrote: ↑ I'm in the U.S. this week-end. Used my card at a U.S. supermarket yesterday without issues. Earlier today, attempted to make a purchase at a food court. Transaction was declined with a message to "Call Center". Anybody run into this? I don't want to call since doing so with my cell phone will be $$$$. This was only my second transaction, so it's not related to the transaction limit.
Apr 21st, 2018 5:30 pm
I'd call 'em using Google Hangouts over WiFI, free calling!
Apr 21st, 2018 7:47 pm
My wife applied last year and they totally lost her application. She even gave them the reference number that appeared after she had submitted her application. They said they couldn't do anything with it.jacnel wrote: ↑ I understand why home trust would approve some applications faster than others through a risk assessment, but this doesn’t explain why they haven’t even touched some applications, for example in my case they haven’t even done a hard hit on me, and every call I’ve made has told me that they haven’t even touched my application, so I have no idea what they’re doing.
Apr 21st, 2018 7:54 pm
Rogers charges 2.5% on FOREX purchases, and rewards you 4% cash back.minimalist wrote: ↑ I think the new Rogers WE MC is a better card with 1.75% in Canada and 1.5% abroad (HT is 1%)
Apr 21st, 2018 9:55 pm
Why do they have to be consistent or explain their approval methodology to us? Perhaps they do extra vetting of people who fall into specific risk categories. Perhaps they do extra vetting at random.
Apr 21st, 2018 9:57 pm
Apr 22nd, 2018 12:17 am
Just an update...parcelTracker wrote: ↑ Submitted application on March 5.
Email notification of approval received on April 12. (No other emails received between March 5 and April 12, just the approval email notification stating the card and PIN are on their way via snail mail).
Hope to receive the card this week.
Apr 22nd, 2018 9:00 am
Apr 22nd, 2018 12:57 pm
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