Seems better than RBC US account where you have to pay $3/month.andriykoua wrote: ↑That is correct
In order for you to get the TD Debit Visa (US) You have to either 1) visit a branch or h ave US mailing address. At least that's what I was told over the phone. and yes, once you have US issued Visa debit you may use it like RBC US Visa debit card. I would suggest getting a regular US credit card, that way you get cashback and other incentives.
Really? i have my TD US debit card shipped to my Canada address, is that another change recently?andriykoua wrote: ↑In order for you to get the TD Debit Visa (US) You have to either 1) visit a branch or h ave US mailing address. At least that's what I was told over the phone.
Debit cards they can ship to Canada and you are able to have a Canadian address. I think he might have been referring to the actual Visa, the credit card.angel_wing0 wrote: ↑Really? i have my TD US debit card shipped to my Canada address, is that another change recently?
My apologies, yes Td Visa.boyoflondon wrote: ↑Debit cards they can ship to Canada and you are able to have a Canadian address. I think he might have been referring to the actual Visa, the credit card.
They wouldn't let me sign up for more than one so I signed up for the Cash Rewards card first because you get $100 back if you spend $500 in the first 90 days. After I got the $100, I transferred to the Better Balance to earn $25 each quarter. This would avoid another credit check as I am only transferring products and not applying for a new one.daverobev wrote: ↑To anyone that has a Bank of America credit card and opened the account in branch:
How many did you try and sign up for at once? The three main ones they have actually all have worthwhile perks for me:
Cash Rewards - 3% on gas
Travel Rewards - 1.5% on everything, *no fee on foreign currency transactions*
Better Balance Rewards - free money!
I'm guessing I might manage "I'd like to have one on each network" (VISA & MC), but I really doubt they'd sign me up for all three!
Thoughts?
Thanks - they confirmed you'd be eligible for the sign-up bonus when you apply in the branch? I read someone got diddled out of theirs. Did you use a Canadian or US address (where did they send your card - or do you get a temp. one there and then?)redboy69 wrote: ↑They wouldn't let me sign up for more than one so I signed up for the Cash Rewards card first because you get $100 back if you spend $500 in the first 90 days. After I got the $100, I transferred to the Better Balance to earn $25 each quarter. This would avoid another credit check as I am only transferring products and not applying for a new one.
Dang, I guess I'll have to stick with my RBC US checking account for now. I don't have a US mailing address except for my CBI mailbox. I thought the TD one you can just open up over the phone or in branch like the RBC account I opened.andriykoua wrote: ↑In order for you to get the TD Debit Visa (US) You have to either 1) visit a branch or h ave US mailing address. At least that's what I was told over the phone. and yes, once you have US issued Visa debit you may use it like RBC US Visa debit card. I would suggest getting a regular US credit card, that way you get cashback and other incentives.
oh, then yes i agree.boyoflondon wrote: ↑Debit cards they can ship to Canada and you are able to have a Canadian address. I think he might have been referring to the actual Visa, the credit card.
I actually only qualified for a secured credit card when I applied at the branch on their computer. The teller was nice enough though to fax my application in directly to their application dept and thats when I was approved. The card was sent to my US mailbox a few weeks later.
Interesting - you applied using your SIN? Isn't that.. really quite dodgy? Doesn't the app state "only for US residents"?redboy69 wrote: ↑I actually only qualified for a secured credit card when I applied at the branch on their computer. The teller was nice enough though to fax my application in directly to their application dept and thats when I was approved. The card was sent to my US mailbox a few weeks later.
There was no mention of the bonus when I signed up but I just called customer service to request the $100 after I had spent $1000. They sent the the request to their rewards dept people and about 1-2 weeks later, the $100 reward was in my account. I guess I got lucky so this might be YMMV.
If you are looking for a US Mastercard, you might want to consider the Barclays Arrival Mastercard. Its good for $400 worth of travel if you spend $1000 within the first 90 days and annual fee is waived the first year. I'm going on vacation soon so I was just planning on churning this card with no intention of keeping it after the first year. I applied online using my SIN and US address and was approved instantly with $3000 credit limit.
I agree its strange that my application was accepted using my SIN but then again, I also have a FICO score based on my SIN.
I applied for this card last year and got refused. They said not enough credit history. Credit Karma?redboy69 wrote: ↑I agree its strange that my application was accepted using my SIN but then again, I also have a FICO score based on my SIN.
On a side note, I highly recommend Credit Karma for anyone with US credit cards. Its free and really accurate. When I signed up for my Barclays Mastercard, I received an email alert the very next day about my a hard pull on my account.
There are currently 2 users viewing this thread. (0 members and 2 guests)
