@Horseshoez Well I am echoing in your path then my friend. Glad you found a better way. I plan to try the TD secured CC shortly I'm waiting for my NFCU secured to post to my reports 1st.
Congrats on your success with TD Bank, I have heard a lot of good things just like this with them. If I recall correctly I think @Horseshoez even stated the AF is reimbursed after graduation as well and he also switched to them for his main bank. Nice job on your rebuild and credit products you have thus far in your signature. Thanks for the DP's on TD Bank they are on my radar!
@butterpecan wrote:Congrats on your success with TD Bank, I have heard a lot of good things just like this with them. If I recall correctly I think @Horseshoez even stated the AF is reimbursed after graduation as well and he also switched to them for his main bank. Nice job on your rebuild and credit products you have thus far in your signature. Thanks for the DP's on TD Bank they are on my radar!
Well, kinda-sorta, the annual fee is refunded on a pro-rata basis; since my card was secured for only six months, they returned half of my annual fee. Long story short, I paid TD a whopping $14.50 to have their secured credit card for six months, during which time I earned over $100 in cash back rewards. Since my card graduated in January of 2021 I've earned over $800 in additional cash back rewards, and given I have yet to use them, I now have accrued a tad over $900. 
@Horseshoez wrote:
@butterpecan wrote:Congrats on your success with TD Bank, I have heard a lot of good things just like this with them. If I recall correctly I think @Horseshoez even stated the AF is reimbursed after graduation as well and he also switched to them for his main bank. Nice job on your rebuild and credit products you have thus far in your signature. Thanks for the DP's on TD Bank they are on my radar!
Well, kinda-sorta, the annual fee is refunded on a pro-rata basis; since my card was secured for only six months, they returned half of my annual fee. Long story short, I paid TD a whopping $14.50 to have their secured credit card for six months, during which time I earned over $100 in cash back rewards. Since my card graduated in January of 2021 I've earned over $800 in additional cash back rewards, and given I have yet to use them, I now have accrued a tad over $900.
@Horseshoez That's awesome!! Wow. Congratulations. TD Bank is very good to you!! Thank you for adding this info!
Here is a nice $300 SUB for a TD Bank checking account if anyone else is interested or if @Horseshoez you'd like to share it, I know you are familiar with them and maybe have a family member interested. It does have a monthly fee of $25 unless you deposit $5k per cycle or maintain $2.5k daily balance.
https://bankbonus.com/promotions/td-bank/beyond-checking-300-bonus/?trk=bonuswidget
@butterpecan wrote:Here is a nice $300 SUB for a TD Bank checking account if anyone else is interested or if @Horseshoez you'd like to share it, I know you are familiar with them and maybe have a family member interested. It does have a monthly fee of $25 unless you deposit $5k per cycle or maintain $2.5k daily balance.
https://bankbonus.com/promotions/td-bank/beyond-checking-300-bonus/?trk=bonuswidget
Thanks @butterpecan, I moved my wife and daughter over to TDBank back in 2020, our son had recently gotten out of the Navy back then and was firmly entrenched with NFCU; that and where he lives now has no TD branches.