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I have just moved to the US from Canada and I recently opened a checking account with TD.
If I apply for a Credit Card with TD am I able to use my Canadian Credit history to help me be approved? I am aware that with no previous US credit history I may struggle to be approved.
Charlie, Galloway, NJ
May 12, 2016 03:20:28 PM
In reply to Charlie, Galloway, NJ
Hey Charlie, thanks for coming to TD Helps and we appreciate your interest in a Credit Card with TD Bank.
Here at TD Bank U.S., we offer several types of Visa Credit Cards, for individual Customer needs. Please take a look here http://go.td.com/1qRnByN to view and compare the types of cards we offer, and find one that may be most convenient for you.
As you're a Canadian citizen, if you also have a US Residential Street address within the TD footprint, you're welcome to begin an application for a U.S. Visa Credit Card here: http://go.td.com/1rrPVGd. Please note that if your Social Insurance Number is provided on the application, your Canadian credit history will be used as part of the application process; or, if your U.S. Social Security number is provided, your U.S. credit history can be used. You're welcome to fax the application to:
Attn: Credit Card Operations at 855-257-3388
Or, it can be mailed to:
TD Card Services
PO Box 1435
Deposit, NY 13754-9933
This information is also listed at the bottom of the application for your convenience, along with the credit card Terms and Conditions.
If you have any questions regarding this process, you're welcome to contact our TD Cross Border Team. They're available 24/7 and can be reached at 877-700-2913. You may also apply for a TD U.S. Credit Card at any TD Bank Store, if you'll be visiting U.S. in the near future. To find TD Store locations near you, please visit, http://go.td.com/1TRVwqx.
Please note, at this time, if you were to get approved for a TD U.S. Credit Card, payments from a TD Canada Trust U.S. Dollar account will not be accepted, only payments from a U.S. based account will be accepted. You are welcome to open a U.S. based Checking account along with your U.S. based credit card however; then you can make no cost transfers from your TD Canada Trust account to your TD Bank U.S. account, and in turn pay your U.S. based Credit Card from your U.S. based Checking account.
Hope this helps, Charlie and please let us know if you have additional questions.
Shanika A, Mount Laurel
May 12, 2016 03:21:56 PM