How is TD Bank with credit limits, no relationship?

[NoMoreE46]

I got a $13000 SL with 770s and 6% Utility last March.  I had a card with BofA eons ago...

I do like what  @nytokyobred79  said about trying to get under 89%  for a while before applying. 

[Jeffster1]

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@SouthJamaica wrote:

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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.

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@SouthJamaica Spot on. 🎯🎯🎯 I can't stand dealing with TD.

[Horseshoez]

I guess I am the only one happy with TD Bank; an absolute breath of fresh air compared to BofA.   My thoughts:

• I do have a relationship with them; between my wife and daughter and I, we have three checking accounts, four savings accounts, and two credit cards.
• I haven't needed to call customer service in several years, but they were always very helpful.
• I visited five different branches in the Manchester, NH area for various reasons, and it always felt like they bent over backwards to help out.
• I have yet to visit a branch here in Maryland.
• Credit card limits, while not stellar, do rise over time; I seriously suspect a starting limit over $5,000 is extremely rare, doubly so if you don't have a relationship with them.

[Gregory1776]

Thanks for the input. I am going to skip TD and go with BOA, if I need too. I'm trying to avoid opening another account. I'll will try transferring and paying the citi down, charging insurance and paying that off with the hopes of getting a auto CLI before the end of June. 

[Jeffster1]

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@Gregory1776 wrote:

Thanks for the input. I am going to skip TD and go with BOA, if I need too. I'm trying to avoid opening another account. I'll will try transferring and paying the citi down, charging insurance and paying that off with the hopes of getting a auto CLI before the end of June. 

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Good decision. TD is a bank  which, in my experience, ranges from just meh to horrible. Poor customer service, an archaic website and incompetence all around. 

One additional caveat...be very careful with  their voice print system. A couple of years ago...after already having been with TD for over a year...their telephone voice print system would no longer recognize my voice. The customer service reps refused to deal with me on the phone, telling me that I'd have to come in to a branch. I'm bicoastal and, at that point, was well over 2000 miles from the nearest branch. They refused to listen to reason and refused to verify me another way. A real nightmare.