Credit Cards

Preferred Visa Card from Home Trust

  • Last Updated:
  • Jan 23rd, 2018 4:25 am
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Newbie
Mar 4, 2016
6 posts
3 upvotes
Just applied.

It's awesome that they include "Adult Entertainer" as one of the job categories! Face With Tears Of Joy

Fits in perfectly between "Accountant" and "Ambassador".
Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
surflife6 wrote:
Jan 12th, 2018 1:13 pm
I applied 3 weeks ago and just got the rejection letter today by mail. I did apply to 7 credit cards in the last 6 months though. Anticipate 2 and a half to 3 week wait time to get a response if you were approved for this card.
The HT Visa was my 6th card that I applied for and I was approved.
They're simply limiting their approvals.
Jr. Member
Sep 4, 2017
100 posts
20 upvotes
yyc123 wrote:
Jan 13th, 2018 12:17 am
Just applied.

It's awesome that they include "Adult Entertainer" as one of the job categories! Face With Tears Of Joy

Fits in perfectly between "Accountant" and "Ambassador".
No way! Face With Tears Of JoyFace With Tears Of JoyFace With Tears Of Joy
Deal Fanatic
Dec 11, 2008
7720 posts
604 upvotes
Isn't a rejection letter really bad? Doesn't this hit your credit score?
Deal Addict
User avatar
Aug 24, 2016
2679 posts
1366 upvotes
speedyforme wrote:
Jan 13th, 2018 8:30 am
Isn't a rejection letter really bad? Doesn't this hit your credit score?
The only damage to ones credit score, is the few points lost on the credit hit.
There is no such thing as a denial affecting your credit score.
Deal Addict
Oct 4, 2009
1909 posts
686 upvotes
Montreal
Added the following to the thread summary since this card is gathering attention as an Amazon replacement.
This product is currently not available to residents of Quebec.
Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
coolintheshade wrote:
Jan 13th, 2018 10:10 am
The only damage to ones credit score, is the few points lost on the credit hit.
There is no such thing as a denial affecting your credit score.
Supposedly, in the eyes of a FI, a hard hit that doesn't come up as a tradeline...aka rejection is a bad sign.
Deal Addict
User avatar
Aug 4, 2003
2453 posts
924 upvotes
vkizzle wrote:
Jan 13th, 2018 1:34 pm
Supposedly, in the eyes of a FI, a hard hit that doesn't come up as a tradeline...aka rejection is a bad sign.
Not every hard hit results in a new tradeline, so, I don't understand what you are talking about.
Loose lips sink ships.
Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
McMaggot wrote:
Jan 13th, 2018 7:48 pm
Not every hard hit results in a new tradeline, so, I don't understand what you are talking about.
What other reasons for a hard hit?
I'm not sure you know what you're talking about.
Deal Addict
User avatar
Apr 24, 2017
2048 posts
582 upvotes
Vancouver
vkizzle wrote:
Jan 13th, 2018 7:51 pm
What other reasons for a hard hit?
I'm not sure you know what you're talking about.
A lot of other reasons, for example, request credit limit increase.
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Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
EdisonL299 wrote:
Jan 13th, 2018 8:02 pm
A lot of other reasons, for example, request credit limit increase.
That's one...what else?
Deal Addict
User avatar
Aug 4, 2003
2453 posts
924 upvotes
vkizzle wrote:
Jan 13th, 2018 7:51 pm
What other reasons for a hard hit?
I'm not sure you know what you're talking about.
Credit limit increase ... credit check but no reporting (Bell/Rogers Communications), certain accounts hidden from lenders such as mortgages, new accounts appearing without credit check (pre-approval) ... it is best not to make up stuff to try to impress newbies.
Loose lips sink ships.
Deal Addict
User avatar
Aug 24, 2016
2679 posts
1366 upvotes
vkizzle wrote:
Jan 13th, 2018 1:34 pm
Supposedly, in the eyes of a FI, a hard hit that doesn't come up as a tradeline...aka rejection is a bad sign.
They can assume it was a rejection, sure.
But there are other reasons one could have an inquiry on their bureau, with no corresponding tradeline.
I get what you’re saying though. But it still isn’t something that is factored into the score.
It just seems some people think that if they’re denied credit, it directly affects their credit score, and that’s not true.
Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
McMaggot wrote:
Jan 13th, 2018 8:05 pm
Credit limit increase ... credit check but no reporting (Bell/Rogers Communications), certain accounts hidden from lenders such as mortgages, new accounts appearing without credit check (pre-approval) ... it is best not to make up stuff to try to impress newbies.
Are you shitting me?
Rogers shows up on my Equifax report but not Transunion.
Mortgage and HELOC shows on both!
Best to get your facts updated before accusing me of making things up.

Also, a hard check for a CL increase is not unknown; considering it increases total credit availability.LMAO.
Deal Expert
Aug 22, 2011
17152 posts
5423 upvotes
Ottawa
coolintheshade wrote:
Jan 13th, 2018 8:08 pm
They can assume it was a rejection, sure.
But there are other reasons one could have an inquiry on their bureau, with no corresponding tradeline.
I get what you’re saying though. But it still isn’t something that is factored into the score.
It just seems some people think that if they’re denied credit, it directly affects their credit score, and that’s not true.
Credit "score" is barely a blip when FIs look at one's credit history.
If they see you "chasing credit"; it will most definitely raise flags.

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