TD Cash Rewards Visa Signature (1% Cashback)

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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GoCreditGo!
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TD Cash Rewards Visa Signature (1% Cashback)

Postby GoCreditGo! » Thu Nov 21, 2013 1:19 pm

Does anyone have any experience with this card? Any thoughts on it?


CC Deville
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Postby CC Deville » Thu Nov 21, 2013 3:47 pm

It appears to be like Wells Fargo cash back card which is to say meh. It offers 5% back for the first six months and then 1% thereafter. There are better cash back cards out there such as Discover IT, Chase Freedom, AMEX BCE and BCP, BofA BankAmericard Cash Rewards, US Bank Cash + Citibank Dividend and Capital One Quicksilver because each of these cards offers added cash back categories or other bonuses.

Living in Washington State you would not even be eligible to apply as I believe TD keeps their products for those on the East Coast.

GoCreditGo!
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Postby GoCreditGo! » Fri Nov 22, 2013 12:28 pm

I'm just building up my credit and they are offering me a "meh" limit, but using it as a jumping up point to start negotiations with everyone else.

Obi-dan
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Postby Obi-dan » Fri Nov 22, 2013 5:52 pm

GoCreditGo! wrote:I'm just building up my credit and they are offering me a "meh" limit, but using it as a jumping up point to start negotiations with everyone else.


Just out of curiosity, what and with whom exactly do you plan on negotiating?
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

GoCreditGo!
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Postby GoCreditGo! » Tue Nov 26, 2013 6:39 pm

Everyone else :D I left the country for 9 years and my credit took a huge hit. I was in the high 500s, so I'm rebuilding.


Obi-dan wrote:Just out of curiosity, what and with whom exactly do you plan on negotiating?

CC Deville
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Postby CC Deville » Tue Nov 26, 2013 8:07 pm

GoCreditGo! wrote:Everyone else :D I left the country for 9 years and my credit took a huge hit. I was in the high 500s, so I'm rebuilding.


Heh! Well TD is not a sub prime bank so I am not sure that you would be approved. You may want to check out the basic Barclaycard or a Capital One card. You may be able to get a Quicksilver One with an annual fee if you are hellbent on getting a cashback card.

So...when you left the US did you like forget to pay your bills or being missing in action for 9 years caused you to have start over? And are you even eligible for the card residing in Washington? I always thought TD was for people in ME, MA, NH, NJ, NY, PA, CT etc. East Coast....

Obi-dan
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Postby Obi-dan » Wed Nov 27, 2013 9:47 am

GoCreditGo! wrote:Everyone else :D I left the country for 9 years and my credit took a huge hit. I was in the high 500s, so I'm rebuilding.


Maybe I use the word negotiate differently but I think in terms of rebuilding credit from the 500s you will be accepting whatever offers you get. It requires a good score, good usage and a relationship before you can use leverage to improve terms with a lender.

If you are using term negotiate to mean strategically plan to improve credit by utilizing new credit I better understand what you mean. Do you have a comprehensive plan to rebuild credit?
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

MemberSince99
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Postby MemberSince99 » Wed Nov 27, 2013 12:21 pm

GoCreditGo! wrote:Everyone else :D I left the country for 9 years and my credit took a huge hit. I was in the high 500s, so I'm rebuilding.




Then you'll want to join us in the garden and check out our gardening thread :D Tinuvial runs that thread I believe....

GoCreditGo!
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Postby GoCreditGo! » Fri Dec 06, 2013 11:03 am

I've got a place there. I left for 9 years. I paid everything off before I left, so I owed nothing. I just did not "participate" for those 9 years and my credit dropped.

GoCreditGo!
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Postby GoCreditGo! » Fri Dec 06, 2013 11:05 am

I have no idea what to do to rebuild credit. Any advice? I'm up to 620 now and I've been approved for several cards. I applied to a bunch and my credit took a hit (high of 640), but at least now I have credit. My first card was the Capital One Secured. Now I have been approved for Discover ($500), BOA ($10000), Barclays ($400). I'm thinking about cancelling the Capital One Secured, since there is an annual fee on that. Any suggestions on any of this?



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