Credit Card Frequently Asked Questions

Credit Card FAQ Topics

Credit Card Frequently Asked Questions

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Applying for a Credit Card

How can I apply for a credit card from TD Bank?

You can apply:

When will I receive my card?

Upon approval, you will receive your card within 5-7 business days.

Credit Card Features

What are the credit limits for the different credit cards?

The minimum credit limit is $500 with a maximum of $25,000 for the TD Cash Visa and TD Business Solutions Visa® Cards. For TD Visa Signature benefits, the credit limit must be $5,000 or greater.

Credit Card Rewards and Benefits

What are the rewards associated with the TD Cash, TD Business Solutions TD Cash Rewards and TD Easy Rewards cards?

TD Cash

The TD Cash Visa Card allows you to earn up to 2% on eligible dining purchases from fast food to fine dining. Plus, earn 1% cash rewards for every $1 spent – everywhere, every time on eligible purchases.1 Redeem your cash rewards for cash back, merchandise, gift cards or travel rewards once you've earned at least $25. There are no limits to the rewards you can earn and your cash rewards do not expire as long as your account is in good standing, meaning it is open and payments are not past due.

Log in to TD Cash

TD Business Solutions

Earn one point for every $1 in eligible retail purchases. Redeem points for over 400 rewards, cash back, electronics, gift cards, travel rewards and more. There are no caps and no limits to the rewards you can earn and your points do not expire as long as your account is in good standing, meaning it is open and payments are not past due.*

Log in to TD Business Solutions

Existing cardholders only can access rewards for the cards below.

TD Cash Rewards (existing customers only)

The TD Cash Rewards Visa Card allows you to earn up to 5% cash rewards on eligible purchases during the first 6 billing cycles after account opening. A maximum of $450 cash rewards can be earned during the 5% bonus period. Plus, earn 1% cash rewards for every $1 spent – everywhere, every time on eligible purchases.* Redeem your cash rewards for cash back, merchandise, gift cards or travel rewards once you've earned at least $25. There are no limits to the rewards you can earn and your cash rewards do not expire as long as your account is in good standing, meaning it is open and payments are not past due.

Log in to TD Cash Rewards

TD Easy Rewards (existing customers only)

The TD Easy Rewards Visa Card allows you to earn up to 5X rewards points on eligible purchases during the first 6 billing cycles after account opening. A maximum of 45,000 points can be earned during the 5X bonus period. Plus, earn 1 point for every $1 spent – everywhere, every time on eligible purchases.* Redeem your points for cash back, merchandise, gift cards or travel rewards once you've earned at least 2,500. There are no limits to the rewards you can earn and your points do not expire as long as your account is in good standing, meaning it is open and payments are not past due.

Log in to TD Easy Rewards

Can I view my rewards points online?

There are two ways to view your points online:

  1. At Credit Card Account Access – once you receive and activate your card, register here and get your confirmation. You will then be able to view points.
  2. Rewards site – you can register to view points plus rewards.
    1. TD Cash cardholders
    2. TD First Class cardholders
    3. TD Business Solutions cardholders
    4. TD Cash Rewards cardholders(existing customers only)
    5. TD Easy Rewards cardholders(existing customers only)

What is CreditView?

CreditView allows you to view your educational credit score, see how you can increase your score, and learn more about managing your finances. It's available to customers who have a TD Bank credit card and have signed up for TD Bank Online Banking.

Managing Your Credit Card

Can I transfer a balance from another card to a TD Bank card?

Yes. You can transfer balances from Visa, MasterCard and other eligible credit card accounts as long as your credit limit is high enough to allow the transfer.

How can I request a credit limit increase?

Please contact us at 1-888-561-8861. Your account must be open for at least 6 billing statements before a credit increase will be considered.

Can I get my statement online?

Yes, as part of your Credit Card Account Access account, you can view your statement and conduct other account management functions.

Enroll in Credit Card Account Access

Can I manage my credit card account online?

Yes, go to Credit Card Account Access to view your account, account balance, transactions, payments due, transaction history and many other options.

What are the ways I can make credit card payments?

You have several options to make your credit card payments: online, by calling 1-877-468-3178, at your nearest TD Bank or through the mail – please send your payment to the billing mailing address listed on your statement.

I forgot my Personal Identification Number (PIN). How can I find out what it is?

You can request a replacement PIN by calling us at 1-888-561-8861.

How do I get a replacement card?

Please call 1-888-561-8861 to replace your TD credit card. If you need your card replaced within 48 hours, we offer "Fast Card" replacement for an additional fee. All Fast Card replacements are sent out via Federal Express. When you request a Fast Card, we will disclose the fee – you may be charged a fee of up to $25.

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 1-888-561-8861 and a specialist will work with you to research the transaction and resolve it. Check your credit card statement for additional information.

What is the late payment fee?

Please see the Terms and Conditions for your credit card for actual fee amounts.**

What emergency features are available on the credit cards?

Credit card customers will have 24/7 access to our Credit Card Customer Support hotline (1-888-561-8861). 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 1-888-561-8861 and we will update your credit card account with your new information. This will update your information only for your TD credit card account – call 1-888-751-9000 or visit a TD Bank near you to change your address for your other TD accounts.

What are the Customer Service hours of operation?

Customer Service is available 24/7, 365 days a year.

Personal Credit Cards: How can I get a copy of my Cardmember Agreement?

You can view a generic agreement online: Personal Credit Card Agreement and TD Cash Rewards Secured and TD Easy Rewards Secured Credit Card Agreement.

Or, if you're an existing cardholder and would like to get your specific card agreement, you will need to first register your credit card within Credit Card Account Access or call us at 1-888-561-8861 (you will need to provide your account number and the name on the card). After you register your card, you will be able to request a copy of your agreement. It will either be mailed or e-mailed to you.

Credit Card Security

Is my online credit card account information secure?

Our Credit Card Account Access page 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. Read more about TD Bank's commitment to security.

What do I do if my credit card is lost or stolen?

Please contact us immediately at 1-888-561-8861 and we will cancel your card and send you a new one within 7-10 days. 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 unauthorized purchases made online or for signature-based transactions at merchants.

What should I do if I think my card is being used fraudulently?

Please contact us immediately at 1-888-561-8861 and a dedicated specialist will help you.

Why does TD Bank now offer chip cards?

Chip technology is already the global standard because of its advanced security features. By 2015, this technology will be the standard in the U.S. as well. We want our customers to have access to the best security features right now.

What is a chip-based card?

A chip card, also called an EMV chip card or Smart Chip card, uses an embedded microchip instead of a magnetic strip to store data. The microchip embedded in your card encrypts your data, providing enhanced security against counterfeiting when used at a chip-enabled terminal.

Is it safe to use the magnetic card strip at merchants that don't have a chip-enabled terminal?

While the chip technology provides enhanced security, using the magnetic strip continues to be a safe way to use your card. Remember that you are also always protected by Visa's Zero Liability Coverage, which protects you in the event of card fraud.

How do I use the new chip card?

At a chip-enabled terminal

  • Instead of swiping, insert your card face up into the terminal
  • Don't take the card out until the transaction is complete
  • Sign for your purchase, if asked, and remove the card
At a traditional terminal without chip technology
  • Just swipe your card as you've done in the past
  • Sign for your purchase, if asked
For phone or online purchases
  • Complete your purchases just as you've done in the past

What if I'm at a store that doesn't have a chip-enabled terminal?

Your new card has the embedded chip as well as a magnetic strip. If a store or merchant has not upgraded to chip technology, you'll just use your card as you did previously by swiping the magnetic strip.

Do I need a PIN to use my new chip-based credit card?

You do not need a PIN to use your chip credit card. Just sign for purchases, if asked.

 
1See the personal and business credit card terms and disclosures for details about APRs, fees, balance transfers, program rules and eligible purchases.

2See important Credit Card Terms and Disclosures for details about APRs, fees, balance transfers, program rules and eligible purchases.

3TD CreditViewSM is provided by TD Bank, N.A. ("TD Bank") through our third party service provider, TransUnion Interactive, Inc. ("TransUnion Interactive"). To access CreditView you must enroll in TD Bank personal online services and accept the personal Online Banking Service Agreement. CreditView is only available in conjunction with a TD personal or small business credit card (service is not available for commercial cardholders). CreditView is only available if your personal information on your TD account and your credit file match.

©2016 Visa U.S.A. Inc.