How is TD Bank with credit limits, no relationship?

[Gregory1776]

Citi would not grant me a higher credit limit, likely due to the 93% uti on a credit card I am going to pay off within the year or so - I am looking for additional cards for a BT. TD bank has 2 cards with balance transfer fees of 3% and $150 -200$ CB with a purchase in 3 months (awesome, insurance paid off & instantly pay that, is the plan.) 

I have no relationship with TD Bank, nor knowledge. any insight or information would be greatly appreciated.
my profile: A couple cards are less than 8% uti, PENFED CU @ 1400 of 2.5K. The Wells Fargo is going to expire 0% 6 weeks. 
scores are ~750s, income is about 100-110K

[SouthJamaica]

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@Gregory1776 wrote:

Citi would not grant me a higher credit limit, likely due to the 93% uti on a credit card I am going to pay off within the year or so - I am looking for additional cards for a BT. TD bank has 2 cards with balance transfer fees of 3% and $150 -200$ CB with a purchase in 3 months (awesome, insurance paid off & instantly pay that, is the plan.) 

I have no relationship with TD Bank, nor knowledge. any insight or information would be greatly appreciated.
my profile: A couple cards are less than 8% uti, PENFED CU @ 1400 of 2.5K. The Wells Fargo is going to expire 0% 6 weeks. 
scores are ~750s, income is about 100-110K

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I think they're good on credit limits, but my experience with TD is that they are a pain to deal with.  For me, their website has had very little functionality, there is no customer service other than telephone, their telephone customer service is the worst, and usually their only advice is to go into the branch... where they keep you waiting for half an hour minimum.

[NoMoreE46]

If you are open to other banks, BofA has the Bank Americard at 18 months while the Reflect from WF is 21 months at 0%.

[Gregory1776]

I am considering bofa. Wells Fargo is the card I need to transfer from. 

what can I expect from BOFA?

[NoMoreE46]

Sorry, I missed the WF part - (this card and the Citi are not in your siggy.)

1) How many New accounts in the past 12 months? 

If more than three, it is going to be no.

2) What is your AAoA?

[CreditCuriosity]

TD Bank is not generous on credit limits out of the gate.  I would avoid them if looking for a BT card.   Likely would get 1-5k out of the gate if approved at all with that utilization and doubt that would help you much.  Go with another lender possibly a CU..

I also agree with @NoMoreE46  WF might be your golden ticket as know someone personally that had a maxed out card same situation as you on CITI and credit scores around 680 and got a 14k approval o reflect if not mistaken instantly.   WF can be a bit weird on whom they approve though they have never approved me for a card but could be do to my absurd amt of credit likely.

edit appears you changed your original post WF wouldn'r not be a card to apply for as same lender and can't do BT's with same lender.

[nytokyobred79]

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@NoMoreE46 wrote:

Sorry, I missed the WF part - (this card and the Citi are not in your siggy.)

1) How many New accounts in the past 12 months? 

If more than three, it is going to be no.

2) What is your AAoA?

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@NoMoreE46  has asked a great question around recent acct openings. BofA has a rule that if you've opened 3 or more new accts in 12 months, they'll deny. If you're an existing acct holder,  it's 7 or more new accounts. They can be generous with SL without a previous banking relationship- depending on profile and income. If you were to try them, I'd try to get the overall uti down a little bit more if you can to avoid a toy limit. 

[Gregory1776]

Just the Citi in last year(last week). Wells Fargo last year February.

aaoa 5 y 9 m according to fico 

[Gregory1776]

Signature is also way out of date. I no longer spend nearly as much time on here as I used too. 

[nytokyobred79]

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@Gregory1776 wrote:

Just the Citi in last year(last week). Wells Fargo last year February.

aaoa 5 y 9 m according to fico 

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Then I think it may be worth taking a shot for the BankAmericard especially with the long 0% APR promo. I'm not sure how BofA may react to the one card at 93% UTI. Maybe if you can get the card under 89% which is the threshold for a maxed out card, you'll probably get a tiny score bump which could help. Your AAoA looks good too. 

For dp's, when I applied for the BankAmericard this January, I had about a 8K balance on one of my Chase cards and around 2K on another(BofA card) .2 out of my 10 revolvers were reporting a balance at the time. I think my UTI was somewhere around 5/6%. Granted I already had 2 other BoFA cards with about 12 months of payment history so it's not exactly an apples to apples but I just wanted to share that I was able to get approved for the card. They gave me a $5K starting limit which was lower than I hoped for. But I already had considerable credit with them $40K plus so I'm sure I reached what they were comfortable extending at that particular time.