The $1000 is what they call security.. it seem ridiculous to have to put up security to get a credit card, however, if it works it works..

The main thing is to get good credit items reporting to Equifax and TransUnion so as to start rebuilding your credit score.

If you're not used to properly maintaining your credit, saving $1000 to put on your credit card helps develop some good money skills.

I like my HomeTrust visa, even though I had to shell out $1000 for it.

It's helped me to get a better credit score. I've received my credit report which shows HomeTrust Visa as A1 credit.

There was no other way for me to put positive credit items on my credit report because I would get refused constantly.

If you have bad credit, HomeTrust Visa is the way to go.