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What is wrong with these people at TD bank?

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sarge12
Senior Contributor

What is wrong with these people at TD bank?

I put this in Smorgasboard because it really does not fit elsewhere. I had a TD credit card that I never used due to only 1% rewards. It was dormant for over 2 years, and I never used it after satisfying the SUB to get 150 or 200 bucks. I finally just closed it before they did. I mean I literally only charged 500 bucks or so on it in the 3 years I had it. That was 6 months ago. Now today in the mail, I have a pre-approved offer to get the same TD credit card again, with another 150 dollar SUB for 500 dollars spend. Have they lost their minds? Maybe I have lost mine, because I am actually considering it, but surely the guilt would get to me. I have never been that shocked about an offer.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 1 of 3
2 REPLIES 2
Horseshoez
Senior Contributor

Re: What is wrong with these people at TD bank?


@sarge12 wrote:

I put this in Smorgasboard because it really does not fit elsewhere. I had a TD credit card that I never used due to only 1% rewards. It was dormant for over 2 years, and I never used it after satisfying the SUB to get 150 or 200 bucks. I finally just closed it before they did. I mean I literally only charged 500 bucks or so on it in the 3 years I had it. That was 6 months ago. Now today in the mail, I have a pre-approved offer to get the same TD credit card again, with another 150 dollar SUB for 500 dollars spend. Have they lost their minds? Maybe I have lost mine, because I am actually considering it, but surely the guilt would get to me. I have never been that shocked about an offer.


I got an offer for their Double Up card yesterday; I circular filed it as I'm gardening until mortgage time next spring.  This is the first top-tier card offer I've gotten since my discharge in March 2020 and were it not for the gardening thing, I would certainly have applied.

I categorically refuse to do AZEO!
Message 2 of 3
sarge12
Senior Contributor

Re: What is wrong with these people at TD bank?


@Horseshoez wrote:

@sarge12 wrote:

I put this in Smorgasboard because it really does not fit elsewhere. I had a TD credit card that I never used due to only 1% rewards. It was dormant for over 2 years, and I never used it after satisfying the SUB to get 150 or 200 bucks. I finally just closed it before they did. I mean I literally only charged 500 bucks or so on it in the 3 years I had it. That was 6 months ago. Now today in the mail, I have a pre-approved offer to get the same TD credit card again, with another 150 dollar SUB for 500 dollars spend. Have they lost their minds? Maybe I have lost mine, because I am actually considering it, but surely the guilt would get to me. I have never been that shocked about an offer.


I got an offer for their Double Up card yesterday; I circular filed it as I'm gardening until mortgage time next spring.  This is the first top-tier card offer I've gotten since my discharge in March 2020 and were it not for the gardening thing, I would certainly have applied.


I just always had a card that paid as much or more in rewards on every single purchase. There are several more cards that share that distinction.

TU fico08=812 07/16/23
EX fico08=809 07/16/23
EQ fico09=812 07/16/23
EX fico09=821 07/16/23
EQ fico bankcard08=832 07/16/23
TU Fico Bankcard 08=840 07/16/23
EQ NG1 fico=802 04/17/21
EQ Resilience index score=58 03/09/21
Unknown score from EX=784 used by Cap1 07/10/20
Message 3 of 3
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