The Home Trust Secured Visa is ideal for building or re-build credit ratings. If you've had credit difficulties in the past, or have never had a credit card before this card offers an opportunity to establish your credit rating. Virtually everyone is approved for this secured Visa, all that is required is a security deposit for eligibility. Your credit limit is set at the amount of the deposit from $1,000 - $10,000. No insurance benefits are included with this card and balance transfer insurance is not available.