This application is for a reduced interest Home Trust Visa secured credit card. This card carries an annual interest rate of 14.90% with an annual fee of $59 (or $5 per month). While this is an option, we strongly advise all our readers to always pay off your balance in full each month and avoid interest. If you do, you may want to consider a no-fee card as a better option. For additional information see our Secured Visa FAQ’s When your application is complete, please mail your security deposit (personal or personal certified cheque, money order or bank draft from a Canadian Financial Institution, payable to “Home Trust Company”) to: Home Trust Company Attn: Secured Visa Department 145 King St. West, Suite 2300 Toronto, ON M5H 1J8. The four step application process beginning at the bottom of the disclosure statement is very simple and almost everybody is approved!