[TD Bank] TD First Class Travel Visa Infinite (80k WB + FYF)

fortune88 wrote: ↑ I don’t think they will charge, but why would you risk it for next time ? It’s not difficult and there is no rush to pay all back to 0. You can pay here and there in few weeks and months.

Yeah it's not difficult. But the problem is I don't know what happened. I had like 83,211 points available to use. I used 83,000 towards a travel purchase. But now I'm like -745 points, did others experience the same thing?

milanoL wrote: ↑ You have to wait for the monthly statement.

It's different for the sign up bonus vs. the welcome bonus? I received the 20k immediately

asdisme wrote: ↑ Yeah it's not difficult. But the problem is I don't know what happened. I had like 83,211 points available to use. I used 83,000 towards a travel purchase. But now I'm like -745 points, did others experience the same thing?

Did you make a refund from a previous purchase? That will reverse points.

fortune88 wrote: ↑ Did you make a refund from a previous purchase? That will reverse points.

No refunds. I gave a call and they mentioned that if you redeem the points against a purchase, they reverse that portion of the points earned... (Wtf, that doesn't make sense)

doremi01 wrote: ↑ Yes, that happened to me as well. I think the system treats the rewards redemption like a purchase refund. So if your rewards redemption was $332, you will lose $332 x 3 = 996 TD points after the redemption is posted, which puts your overall points balance into negative.

That is the same amount of points reversed for me!

Damn, if I knew earlier about this.

In short TD treats redemptions as a refund. Fun times

asdisme wrote: ↑ That is the same amount of points reversed for me!

Damn, if I knew earlier about this.

This is kinda weird. Doesn't sound logical.

edit: I just made a request to do a "BookAnywhere" redemption to see if this would happen to me. How long will it take for the redemption to be posted? It says 5 biz days to be approved. Are they doing this manually? 5 days? Really?

LOL808 wrote: ↑ This is kinda weird. Doesn't sound logical.

edit: I just made a request to do a "BookAnywhere" redemption to see if this would happen to me. How long will it take for the redemption to be posted? It says 5 biz days to be approved. Are they doing this manually? 5 days? Really?

It takes about 5 days before it shows up on your account.

Does anyone know if payments to Plastiq are regarded as purchases or cash advances by TD?

kcmcheung wrote: ↑ Does anyone know if payments to Plastiq are regarded as purchases or cash advances by TD?

I believe that depends on who is being paid.

I can confirm that Plastiq payments to CRA are purchases.

albertwgchu wrote: ↑ I believe that depends on who is being paid.

I can confirm that Plastiq payments to CRA are purchases.

The payments are for property taxes & utilities but how would TD know as the payments are made to Plastiq & TD wouldn't know who are the ultimate payees?

I received my first statement in the mail a few days after the card came. This gives me about 2 months to meet 2k minimum spend instead of 3 months.

minimalist wrote: ↑ I received my first statement in the mail a few days after the card came. This gives me about 2 months to meet 2k minimum spend instead of 3 months.

3 months is from approval date, first statement issued right away won't make it shorter by 1 month.

Was thinking of converting this card to a different product. Is it wise to use up the rewards first or are the rewards totally separate? What's in my best interest?

Can I just keep switching to all the various TD WB offers? This is so fun .

This could be YMMV, but it's worth to check your email inbox. My spouse has TD First Class and got a special promo code today from TD Canada Trust for $200 off $400 hotel on Expedia for TD. The offer only applies to stand-alone hotel reservations that are pre-paid at the time of booking, with a minimum spend of $400 (excluding any taxes, fees or additional costs) in one booking. Travel date must be before August 1, 2020. Offer expires December 1, 2019.

I also have TD First Class, but didn't receive this offer. That will be awesome if I get one as well.

I got both the TD first class and aeroplan cards a few months ago and received all my points/rewards.

If I want to cancel the TD first class card in Q1 2020 before the annual fee charge. Do I need to use all the 80k TD points beforehand or can I still use TD points after cancellation?

Also, people said air canada apparently launching their own frequent flyer program in 2020. Are you guys using up most aeroplan points before the uncertainty? Thanks in advance

Can someone tell me the cashback rate for this CC?

Is 3 TD Points equivalent to 3% cashback?

What's the point of this card? Is it just to have the free 20,000 TD points every year? (I'm from Quebec)

Can I claim the yearly $100 of points on ExpediaforTD but pay the remainder with another credit card? (Rogers WE for example)

I currently have the CBI visa, can I switch to this on the phone and still get the bonus even though it says “online only”? I called in and the guy said I will only get 20k for sure and not the 40k even if I spend 2k within 90 days. Anyone know? I didn’t go through all 58 pages of this thread admittedly due to the length but hoping someone will tell me as Sept 3 is coming up. Thanks!