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TD Bank Denied - Recon?

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Anonymous
Not applicable

TD Bank Denied - Recon?

So I applied for TD Bank First Class Visa Sig

 

I called the application line and I was denied... Not sure why.

 

They pulled Experian which my Fico Score is at 750, 20% Utilizatioon, 2 inquiries, NO Negatives. AAoA about 3 years. 
Only 1 account opened in the last 3 years.

 

I called the recon line and the rep told me they would submit it for reconsideration and take a look at it. Said I can call back within 2-3 business days... 

 

Anyone have experience with TD Recon? Any success?

 

Fingers Crossed!

Message 1 of 15
14 REPLIES 14
donkort
Valued Contributor

Re: TD Bank Denied - Recon?

I wish for your success.

 

Did they do a hard pull?

FICO 8: EQ 810; TU 816; EX 822 as of 7/5/2022
Message 2 of 15
Anonymous
Not applicable

Re: TD Bank Denied - Recon?

Yeah, hard pull on Experian. I live in NY.

Message 3 of 15
FinStar
Moderator Emeritus

Re: TD Bank Denied - Recon?

Reconsiderations are iffy with TD Bank as they tend to be somewhat conservative.  Without knowing the overall data associated with your profile and the actual reasons for denial it's hard to say what your chances will be.

 

There was a member a while back who was not approved and the reconsideration resulted in a $500 approval. So, YEMV on this one.

 

Best of luck either way. 

Message 4 of 15
Anonymous
Not applicable

Re: TD Bank Denied - Recon?

Good luck with your recon! I hope to hear your success!🤞

Message 5 of 15
Anonymous
Not applicable

Re: TD Bank Denied - Recon?

Thanks guys! Hopefully this works out!

Message 6 of 15
Anonymous
Not applicable

Re: TD Bank Denied - Recon?

good luck! hope you get the good news soon!

 

keep us updated

 

Message 7 of 15
difringe
Established Contributor

Re: TD Bank Denied - Recon?

In addition to what was noted earlier w/r/t their conservative lending nature, TD Bank seems to prefer to have an existing deposit account relationship with applicants. Good luck with the recon!

Message 8 of 15
Meanmchine
Super Contributor

Re: TD Bank Denied - Recon?

Good luck with your recon

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>5/2023 All 3 reports 840ish (F8) F9s = 850 but my app finger is still twitching
Message 9 of 15
CreditInspired
Community Leader
Super Contributor

Re: TD Bank Denied - Recon?

What is the individual UT on other cards in your pocket?


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 10 of 15
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