@Anonymous wrote:i just applied. i bank with TD (checking and savings, td cash CC i never use) so doubling into my checking seemed attractive. approved for a 15k limit surprisingly. 736 score, 8 inquiries over 12 months, 0% utilization.
Congratulations! Thank you so much for your post, this is first I've heard about this card. Similar circumstances, I've had an account relationship with them about 6 years and just got my first mortgage with them in early January. I too got TD CR around 18 months ago-SL 10K, but like you I stopped using it once my bonuses exhausted. I am tired of Citi DC, they irritate me in various ways so this sounds like an excellent alternative especially since the plan is to use my convenience checking solely for mortgage payments. Nervous about inquiries, I'm thinking of calling to explore PC as a possibility then figuring out if they will SP preapproval. Citizens does that readily for their CBP card so I hope TD follows suit. It would be fabulous if I could get this card without a HP! Very excited about the possibility. Again bravo and thank you for sharing!
@firefox100 wrote:
@PandaGirl77 wrote:
@Anonymous wrote:i just applied. i bank with TD (checking and savings, td cash CC i never use) so doubling into my checking seemed attractive. approved for a 15k limit surprisingly. 736 score, 8 inquiries over 12 months, 0% utilization.
Congratulations! Thank you so much for your post, this is first I've heard about this card. Similar circumstances, I've had an account relationship with them about 6 years and just got my first mortgage with them in early January. I too got TD CR around 18 months ago-SL 10K, but like you I stopped using it once my bonuses exhausted. I am tired of Citi DC, they irritate me in various ways so this sounds like an excellent alternative especially since the plan is to use my convenience checking solely for mortgage payments. Nervous about inquiries, I'm thinking of calling to explore PC as a possibility then figuring out if they will SP preapproval. Citizens does that readily for their CBP card so I hope TD follows suit. It would be fabulous if I could get this card without a HP! Very excited about the possibility. Again bravo and thank you for sharing!
Please let us know if you are able to get TD bank to a soft pull on a new TD credit card, I don't think you will be able to get that done. TD bank uses out side customer service operations to handle there credit card operations they are located in Georgia. , I don't like the Citi Double cash card also because you need 25 dollars befor you can redeem the cash. The TD double up card has the same rule min of 25 dollars before you can redeem the cash back into your checking or saving account. The Paypal mastercard does not have minimum to redeem. Also the Paypal mastercard credit increases are soft pulls only.
The answer to the SP is a big N-O! See my post about getting a sucker punch from TD this morning after I got excited about DU and called them. I also dont like minimum redemptions but was willing to accept it for the DU since CB would be going into my TD bank account I'm using to fund my mortgage payments. Good to know about PayPal's SP on CLI though.
@Anonymous wrote:saw your app spree post @PandaGirl77 and congrats! i enjoy a good app spree once a year haha. TD is the king of HP's, and i figure it's only a matter of time before they close my Cash rewards, especially now that i'll be using the Double Up for daily expenses. I really only bank with them because i always have, will most likely move over to DCU in the next year as i'll be buying out my lease most likely and would like to start a relationship with them. I definitely appreciate TD extending credit my way, especially after living with poor credit for most of my adult life, but i definitely don't feel any semblence of personalized service from them anymore (my TD days started with a smaller bank they bought out years and years ago where everyone knew everybody's name and it was like a bad Cheers episode)
Thank you @Anonymous !! The other cards are definitely just so much more engaging. Sending out occasional incentives (Freedom- tap 3 purchases for $5, the different offers put out by my AMEX BCE...I tried ordering through Slice for the first time yesterday as a result). I mean I guess its a cost on the CCCs to do little promotions and stuff but it keeps the customer interested in using the card. Even though who knows how many people that promo from Chase went out to and the prize is $5 lol, it still feels personalized, like oooo I'm part of this special club. TD CC is this wallflower in the corner. Maybe and hopefully it will be different with DU. PenFed is already really impressing me in that personalized service regard getting me setup. I opened checking with them as well to get the extra .5% CB to bump it to the full 2%. Ha... thats funny I never even think about how some of these banks originate and yes, just buying out the little guys right?