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TD Cash Secured Credit Card (New?)

thornback
Senior Contributor

Re: TD Cash Secured Credit Card (New?)


@Pikaboo-icu wrote:

Awesome info there!

I don't need the secured but that siggy version looks pretty darn good.

I'll have to keep this card in mind for the future. I've also been looking at Uber & Savor so I'll have to compare all three.

 

Thanks for sharing, this will be great for a lot of people.. 

 

0001Cheers.gif


I've bank with them for years and have always been a happy customer -- they were the first (and only) to approve me for an unsecured card with decent SL ($5.3K) when I had virtually no revolving credit history and only p/t income that fell on the low end of the spectrum - so they hold a special place in my line-up.   They also offer a good, easy to meet SUB... 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 11 of 17
spiritcraft1
Valued Contributor

Re: TD Cash Secured Credit Card (New?)

Here is another.  Their secured is automatic and you can keep your history as you grow.  They declined my membership due to address / identity issues at either sagestream or innovis.  Ex Soft pull to join.   You can become a member of the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application...  or so it is said, call first.

 

Affinity FCU Signature Visa - 5% on Amazon, 2% on Dining and Groceries

http://explore.affinityfcu.com/cash-rewards


| |

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 12 of 17
thornback
Senior Contributor

Re: TD Cash Secured Credit Card (New?)


@spiritcraft1 wrote:

Here is another.  Their secured is automatic and you can keep your history as you grow.  They declined my membership due to address / identity issues at either sagestream or innovis.  Ex Soft pull to join.   You can become a member of the New Jersey Coalition for Financial Education by making a $5 donation when you fill out your online application...  or so it is said, call first.

 

Affinity FCU Signature Visa - 5% on Amazon, 2% on Dining and Groceries

http://explore.affinityfcu.com/cash-rewards


Nice! and that 5% on Amazon is a big winner. Low APR too...   Thanks for adding it to the little list we've got going here... 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 13 of 17
tenaya
Frequent Contributor

Re: TD Cash Secured Credit Card (New?)

Indeed, we have a great list! I love the 5% back on Amazon on the Affinity! I'm bookmarking that place!


Overstock $9,750, Walmart $2.5K, Discover IT Cash Back $2.4K, NFCU Flagship $5K (formerly CashRewards), Shell (Citi) $800, NFCU More Rewards $17K, AMEX Cash Magnet $1K, Citizens Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 700, EX 688   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal

Message 14 of 17
sjt
Senior Contributor

Re: TD Cash Secured Credit Card (New?)

TD Bank's secured card has been around a while. They just recently put it up on their website. You have to go to a branch to apply and open the savings account. The good thing about the card is they will review it for unsecured after 7 months.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (3.04.21) EX: 838 / EQ: 850 / TU: 848
Message 15 of 17
spiritcraft1
Valued Contributor

Re: TD Cash Secured Credit Card (New?)


@sjt wrote:

TD Bank's secured card has been around a while. They just recently put it up on their website. You have to go to a branch to apply and open the savings account. The good thing about the card is they will review it for unsecured after 7 months.


It looks great.  I could deal with that small AF until it secured.  The rewards would make up for that until graduation.  It's too bad they are not national.


| |

Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = High 300's - Low 400's
8-1-18 -
12-24-18 -
Current F08 -
Current 2,4,5 -
Current F09 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG || PG Accounts: AMEX Biz Gold NPSL | AMEX Biz Plat NPSL | AMEX Blue Cash and Plus Cards
Message 16 of 17
nu-stat
New Contributor

Re: TD Cash Secured Credit Card (New?)

Do you know if apple offers a soft pull credit limit increase button on login or if hard pull either way?

Message 17 of 17
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