Switching TD Credit Card - any hit on credit score?
Will they allow the switch without new application? If so, will it be a hard or soft credit check, if any?
Feb 16th, 2018 3:16 pm
Feb 16th, 2018 4:25 pm
There shouldn't be any kind credit check if you are doing a switch and the number ,expiry date and pin will stay the psame as long as you're account is in good standing.
Feb 16th, 2018 4:32 pm
Feb 16th, 2018 4:51 pm
Feb 16th, 2018 5:35 pm
Thanks everyone!titaniumtux wrote: ↑ Depends. The Cash Back Infinite has an income requirement of $60k. If you have a high spend (my guess is $25k+ per year on your TD CC), they can likely "pre-approve" you for the product change and not do a hard pull.
Since you're considering the TD CBI card, consider applying online through a special link (targetted offer) such as this one.
If you apply for a new card, they'll still be able to approve you based on your spend on your current TD card. Then once you get the new card, you can phase out the old card and transfer the CL.
These cards have such amazing activation incentives that you rather apply for the new card. Else you won't get the intro offers including FYF (you'd only get AF waiver if you have TD chq account).
Feb 16th, 2018 5:52 pm
Good. Then it's a no-brainer. Enjoy the TD CBI...it's an awesome cardbarmadrid wrote: ↑ Thanks everyone!
Just called and spoke with a rep. They did not offer the FYF, but had to check with their supervisor to honor it as a courtesy which I should see it on my account within 3 business days. Also, I still got the welcome 6% cash back for 3 months. No credit check and same account number!
Regarding income, they just required a yes or no answer to qualify you.
Great and easy experience!
Feb 22nd, 2018 8:28 pm
Feb 22nd, 2018 8:49 pm
Feb 22nd, 2018 9:38 pm
Is it really though?
Feb 22nd, 2018 10:52 pm
Feb 22nd, 2018 11:08 pm
https://www.td.com/ca/en/personal-banki ... king-plan/
Feb 23rd, 2018 12:47 am
Feb 23rd, 2018 6:25 am
I think that applies for the following years and mine is for the first year according to my offer.barmadrid wrote: ↑ https://www.td.com/ca/en/personal-banki ... king-plan/
- Credit card fee rebate
Annual fee rebated for your choice of one of five select TD Credit Cards
Feb 23rd, 2018 11:39 am
For me PAP is king, and TD>Laurentian. If for you G&G spend > PAP spend, then go with Meridian/Scotia/CIBCfred125 wrote: ↑ Is it really though?
I know you like to get the 3% on PAP, but PAP aside, I find it an underwhelming card for $120 AF. Its 3% cashback on G&G is not as good as the 4% offered by some cards with $99 AF. Its insurance benefits are also lacking for a card of this level. Yes if you're only using it for FYF or you get AF waiver, sure it's a fine card. But comparing it at face value with other similar cards, I don't think it's very attractive.
TD CBI <> FCT. I'm combo'ing both to maximize on rewards.
Feb 23rd, 2018 6:26 pm
If I recall correctly, you have huge PAP because you spend crazy amounts on phone bills right?
Feb 23rd, 2018 7:43 pm