Assuming one qualifies for the CTFS WE, then yes, its Roadside is superior on towing distance. Other than that they are the same for boosting, keying, fuel and my personal favourite, winching.
Home Trust Preferred cashback VISA, no-AF, no-FTF
- Last Updated:
- Mar 28th, 2024 9:18 pm
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- SCORE+44
- flyjazz
- Deal Addict
- Mar 14, 2014
- 1354 posts
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- aznrsx1979
- Sr. Member
- May 11, 2008
- 847 posts
- 383 upvotes
- Vancouver
Anyone know if there's a list of restricted countries that Home Trust won't allow transactions.
I remember with Chase (Amazon & Marriott) cards they wouldn't allow for transactions in Myanmar, Syria, Ukraine, etc.
I remember with Chase (Amazon & Marriott) cards they wouldn't allow for transactions in Myanmar, Syria, Ukraine, etc.
- Enlgma
- Member
- Apr 19, 2018
- 474 posts
- 373 upvotes
- Wolfe Island, ON
Card pin lockouts are automatically cleared overnight - some time around 3:30 am EST. It is true that call centre agents cannot do the clearout themselves.gabbycup wrote: ↑ Except when you can't remember the PIN and the card locked up. This happened to me when I was in the States and could not use the card for the rest of the trip. Home Trust told me the chip in the card was fried and they would have to issue me a brand new card. They will mail it to me in 3-7 business days and if I want 2-day service the cost is $40.
- titaniumtux
- Deal Expert
- May 8, 2009
- 15560 posts
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- Going to the Moon
Interesting.aznrsx1979 wrote: ↑ Anyone know if there's a list of restricted countries that Home Trust won't allow transactions.
I remember with Chase (Amazon & Marriott) cards they wouldn't allow for transactions in Myanmar, Syria, Ukraine, etc.
TBH I don't think any CC would work in Myanmar.
I think there's a short blacklist of a few countries that affect all VISA cards. I noticed certain issuers (notably prepaid cards) have more extensive blacklists and also block Ukraine. I know MC footprint is more limited than VISA internationally. I also suspect an American FI (example CHASE) would block more destinations than most Canadian FI's.
I don't know of any blacklist specific to this card but I too would be curious to know.
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- bylo
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In Iceland my HT Visa wouldn't work with the terminals widely used in stores and restaurants but it worked fine online and for manual purchases. So in this case the "blacklist" seemed to be terminal model or maybe payment processor dependent.titaniumtux wrote: ↑ I don't know of any blacklist specific to this card but I too would be curious to know.
veni, vidi, Visa
- batcave
- Deal Fanatic
- Nov 14, 2003
- 6675 posts
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- LaLaLand
- aznrsx1979
- Sr. Member
- May 11, 2008
- 847 posts
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- Vancouver
It was much easier to find the info for the Stack Mastercard and it looks like it's allowed in Myanmartitaniumtux wrote: ↑ Interesting.
TBH I don't think any CC would work in Myanmar.
I think there's a short blacklist of a few countries that affect all VISA cards. I noticed certain issuers (notably prepaid cards) have more extensive blacklists and also block Ukraine. I know MC footprint is more limited than VISA internationally. I also suspect an American FI (example CHASE) would block more destinations than most Canadian FI's.
I don't know of any blacklist specific to this card but I too would be curious to know.
https://support.getstack.ca/hc/en-us/ar ... -Countries
Belarus
Democratic Republic of Congo
Eritrea
Iran
Lebanon
Libya
North Korea
Russia
South Sudan
Sudan
Syria
Tunisia
Ukraine
Venezuela
Yemen
Zimbabwe
- titaniumtux
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- May 8, 2009
- 15560 posts
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thank you for that. mind you, probably a greater challenge to use any cc in myanmar, even if the FI won't block it.aznrsx1979 wrote: ↑ It was much easier to find the info for the Stack Mastercard and it looks like it's allowed in Myanmar
https://support.getstack.ca/hc/en-us/ar ... -Countries
Belarus
Democratic Republic of Congo
Eritrea
Iran
Lebanon
Libya
North Korea
Russia
South Sudan
Sudan
Syria
Tunisia
Ukraine
Venezuela
Yemen
Zimbabwe
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- aznrsx1979
- Sr. Member
- May 11, 2008
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- Vancouver
From what others had told me and what I could find online was that ATM's were pretty scarce 3 or 4 years ago.titaniumtux wrote: ↑ thank you for that. mind you, probably a greater challenge to use any cc in myanmar, even if the FI won't block it.
I was surprised by the number of ATM's around Yangon and Bagan when I was in Myanmar last year.
As a caution I just brought more cash along and exchanged on arrival instead of doing the usual and doing a cash advance on my Visa.
Most places however were cash only, except the larger or westernized restaurants, hotels and shops.
- Weirdobbt
- Newbie
- Nov 20, 2018
- 31 posts
- 5 upvotes
May I know how did you do it without fee?
No bank fee and interest free? Did it only work for Citi bank ATM?
I have never used cash advance before and I dont want to get hit with those fee when i go to Taiwan later.
No bank fee and interest free? Did it only work for Citi bank ATM?
I have never used cash advance before and I dont want to get hit with those fee when i go to Taiwan later.
- chevale
- Jr. Member
- Oct 24, 2008
- 156 posts
- 82 upvotes
- Toronto
Used my HT VISA in Holguin airport Duty-free, Cuba.
No pin, but signature was required. Worked without any issues. CUC 57.30 translated to pre-authorized CAD 80.66, which makes exchange rate CUC/CAD 1.41.
For reference, the same day purchase of CUC 24.41 paid by STACK MC was charged as CAD 33.26, i.e. CUC/CAD 1.36.
Both rates were better than posted rates at exchange points.
No pin, but signature was required. Worked without any issues. CUC 57.30 translated to pre-authorized CAD 80.66, which makes exchange rate CUC/CAD 1.41.
For reference, the same day purchase of CUC 24.41 paid by STACK MC was charged as CAD 33.26, i.e. CUC/CAD 1.36.
Both rates were better than posted rates at exchange points.
- EDL67134234
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- bylo
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- Jan 7, 2002
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You can't change the PIN yourself. You have to call customer service.
veni, vidi, Visa
- tigger03
- Deal Addict
- Jul 18, 2005
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They have to send you your PIN again in the mail. It's the same PIN as before (I think)
- titaniumtux
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Very cool! Both visa and MC work in Cuba? Good to know!chevale wrote: ↑ Used my HT VISA in Holguin airport Duty-free, Cuba.
No pin, but signature was required. Worked without any issues. CUC 57.30 translated to pre-authorized CAD 80.66, which makes exchange rate CUC/CAD 1.41.
For reference, the same day purchase of CUC 24.41 paid by STACK MC was charged as CAD 33.26, i.e. CUC/CAD 1.36.
Both rates were better than posted rates at exchange points.
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- chevale
- Jr. Member
- Oct 24, 2008
- 156 posts
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- Toronto
Yes, both work.titaniumtux wrote: ↑ Very cool! Both visa and MC work in Cuba? Good to know!
I didn't really needed those transaction, but wanted to see if and how cards will work and what FX difference will be.
No issues with the cards, but many issues with i-net at Cuba, so I wasn't able to withdraw cash by STACK to confirm difference in rates between MC and exchange points and if any fees will be charged.
- mech9t5
- Deal Fanatic
- Dec 16, 2005
- 6907 posts
- 5592 upvotes
Cuba is the only vacation I goto where I am completely disconnected.chevale wrote: ↑ Yes, both work.
I didn't really needed those transaction, but wanted to see if and how cards will work and what FX difference will be.
No issues with the cards, but many issues with i-net at Cuba, so I wasn't able to withdraw cash by STACK to confirm difference in rates between MC and exchange points and if any fees will be charged.
It was quite liberating and boring at the same time.
- bylo
- Deal Expert
- Jan 7, 2002
- 29711 posts
- 29135 upvotes
- Waterloo, ON
Do they still warn tourists that GPSs are illegal, even as 90+% of arriving passengers pull out their smartphones and put them through the X-ray machine?
I downloaded a Google map of Cuba into my phone before leaving home. That too was probably a crime. But it was invaluable for getting around.It was quite liberating and boring at the same time.
I also downloaded lots of books into Google Play. Much more convenient than dragging around a small paper library. Today I'd probably dump a pile of movies and TV shows on a uSD card.
veni, vidi, Visa
- Stretchy
- Member
- Jan 25, 2008
- 230 posts
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Is the cashback automatic or do I have to call in to receive it
- bylo
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- Jan 7, 2002
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