In July of 2021, I had opened a TD Cash Secured Visa with a 1K CL. Though my scores have significantly gone up now and it has been more than two years for the card, yet it has not graduated. I called TD asking about unsecuring the card and they said it is automated. I saw they did a review but still no movement. Now that all my other cards are above 5K, is it better to just close it and take my money back?
It was used the help you build and it appears it did help. I'd say bye and get your money back.
@FireMedic1 wrote:It was used the help you build and it appears it did help. I'd say bye and get your money back.
Thank you, I think I will give them a call.
@OCONUS wrote:
@FireMedic1 wrote:It was used the help you build and it appears it did help. I'd say bye and get your money back.
Thank you, I think I will give them a call.
I'm surprised, I opened up a secured TD Cash card in July of 2020 and it graduated to unsecured after almost exactly six-months to the day, and since then they've hit me with two unasked for CLIs; I'm now sitting at a limit of $11,500. Have you been carrying balances on the card?
In the end, I agree with @FireMedic1, the card has served its purpose, so if there is no compelling reason to keep it, then yeah, close it.
@Horseshoez wrote:
@OCONUS wrote:
@FireMedic1 wrote:It was used the help you build and it appears it did help. I'd say bye and get your money back.
Thank you, I think I will give them a call.
I'm surprised, I opened up a secured TD Cash card in July of 2020 and it graduated to unsecured after almost exactly six-months to the day, and since then they've hit me with two unasked for CLIs; I'm now sitting at a limit of $11,500. Have you been carrying balances on the card?
In the end, I agree with @FireMedic1, the card has served its purpose, so if there is no compelling reason to keep it, then yeah, close it.
I am surprised as well. I recall you mentioned your card and its eventual graduation. I have carried a $900 balance once in Jan just to report and then paid it off. I have always kept it at $3-$29 usage reporting. I guess I will just fold the TD file and close it.
@OCONUS wrote:
@Horseshoez wrote:
@OCONUS wrote:
@FireMedic1 wrote:It was used the help you build and it appears it did help. I'd say bye and get your money back.
Thank you, I think I will give them a call.
I'm surprised, I opened up a secured TD Cash card in July of 2020 and it graduated to unsecured after almost exactly six-months to the day, and since then they've hit me with two unasked for CLIs; I'm now sitting at a limit of $11,500. Have you been carrying balances on the card?
In the end, I agree with @FireMedic1, the card has served its purpose, so if there is no compelling reason to keep it, then yeah, close it.
I am surprised as well. I recall you mentioned your card and its eventual graduation. I have carried a $900 balance once in Jan just to report and then paid it off. I have always kept it at $3-$29 usage reporting. I guess I will just fold the TD file and close it.
You can apply for an unsecured card while still holding the secured version. I had mine for years and it was never considered for graduation despite TD mentioning it would be.
I just applied separately and closed the secured card upon approval.
