Credit Card Frequently Asked Questions
How can I apply for a credit card from TD Bank?
You can apply:
- Online – Personal | Small Business
- By phone at 888-561-0608
- In your local store
When will I receive my card?
Upon approval, you will receive your card within 7-10 business days.
What are the credit limits for the different credit cards?
The minimum credit limit is $1,000.
How does the Simply Flexible Visa card work?
You have the flexibility to select your standard Annual Percentage Rate (APR) based on your monthly payment. If you pay 10% or more of your outstanding balance, you will get 7.99% APR. If you pay 5-9.99%, you will get 13.99% APR. If you pay 3-4.99% of your balance, you will receive 18.99% APR.
What are the rewards associated with the Cash Rewards and Easy Rewards cards?
The Cash Rewards Platinum Visa Card allows you to earn up to 1% cash back on all eligible retail purchases. Redeem your cash in $25 increments or automatically redeem it at year-end as a statement credit. The Easy Rewards Platinum Visa Card allows customers to earn one point for every $1 in eligible retail purchases. Points can be redeemed for gift certificates, merchandise, travel rewards and more. There are no caps and no limits to the rewards you can earn and your points will never expire. If you close your account, however, rewards must be redeemed within 90 days of account closure to avoid forfeiture.
Log In | Learn more about redeeming your points
Can I transfer a balance from another card to a TD card?
Yes. You can transfer balances from Visa, MasterCard and other eligible credit card accounts and will receive 0% APR for up to six months.
How can I request a credit limit increase?
Please contact us at 888-561-8861. Credit limit increases will be considered only after account has been open at least six months.
Can I get my statement online?
Yes, in our Card Account Access area, you can view your statement and conduct other account management functions.
Can I view my rewards points online?
Yes, once you receive and activate your card, you will need to register online. Simply click on the "Card Account Access" link and register your card. Once you've received a confirmation message, you can view your points in the Card Account Access area. Or, you can visit our Card Rewards site and register to view your rewards.
Can I manage my credit card account online?
Yes, in our Card Account Access area you can view your account, account balance, transactions, payments due, transaction history and many other options.
Is my online credit card account information secure?
Our Card Account Access area is subject to the same stringent security measures as the rest of the TD Bank website. However, keep in mind that even the best security systems won't work unless you also take precautions to safeguard your personal information.
What are the ways I can make credit card payments?
You have three options to make your credit card payments: online, in your local store or through the mail at TD Card Services, P.O. Box 23072, Columbus, Georgia 31902-3072.
What is Payment Protector?
Payment Protector is an optional service that can help protect you from outstanding credit card debt in the event of your involuntary job loss, disability, unpaid leave of absence, hospitalization or accidental death.
Learn more about Payment Protector
Can I use my credit card at an ATM?
Yes, You may you make a cash advance at any ATM with the Visa symbol. Please note cash advances are limited to 80% of your credit limit or the limit for cash withdrawals.
I forgot my Personal Identification Number (PIN). How can I find out what it is?
You can request a replacement PIN by calling our customer service line at 888-561-8861.
What do I do if my credit card is lost or stolen?
Please contact us immediately at 888-561-8861 and we will cancel your card and send you a new one within 24-48 hours. If you have automatic bill payments set up, they will be transferred to your new card. And with Visa's Zero Liability Policy, you will not be liable for purchases made online or for signature-based transactions at merchants.
How do I get a replacement card?
We offer "Fast Card" replacement within 48 hours, just call 888-561-8861.
How do I dispute a charge on my credit card?
If you believe there is an error on your statement, please contact us immediately at 888-561-8861 and a specialist will work with you to research the transaction and resolve it.
What should I do if I think my card is being used fraudulently?
Please contact us immediately at 888-561-8861 and a dedicated specialist will help you.
Can I change my card type?
Yes, you can request a card type change at any time. If you want to switch from a rewards to cash card or vice versa, your points or cash will be recalculated for the new card. You will not lose the rewards you have earned. If you want to switch to a non-rewards card, you will have 90 days to redeem your rewards.
What is the late payment fee?
The fee for a late payment is $29.
What emergency features are available on the credit cards?
Credit card customers will have 24/7 access to our Credit Card Customer Support hotline (888-561-8861). You will also receive benefits through Visa International such as Emergency Card Replacement, Lost/Stolen Reporting, Auto Rental Collision coverage, Damage Waiver Program and Zero Liability Program.
How do I change my billing address?
Please contact us at 888-561-8861 and we will update our system with your new information.
What are the Customer Service hours of operation?
Customer service is available 24/7, 365 days a year.
