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I wanted a secured card at first to build my credit and TD issued me one. I would like to see if I could get the card unsecured and credit limit increased
December 5, 2017 10:08:30 AM
In reply to Paul, Ocala
Hi Paul. Thanks for coming to TD Helps with a great question!
A secured Credit Card is a fantastic way to starting building credit! We're glad to hear that you've taken advantage of that great tool.
We're happy to let you know that your account is automatically reviewed after 7 months. If the account has been in good standing for 7 months with no late fees and no over-the-limit charges, your account should be eligible to graduate to a secured Credit Card account.
If that's the case, we'll send you a letter informing you of your eligibility. At that time, you will have the option to decline or accept. If you do not decline, then the account will automatically be graduated.
Once your account is graduated to an unsecured Credit Card account, we will release the funds that are being held as collateral 25 days from that date on your letter. You can then visit us at any local TD Bank Store to withdraw or move those funds. After that time, you can also apply for a credit limit increase by phone or in any of our Stores.
If you have any additional questions, please don't hesitate to give us a call. We have Credit Card Customer Service Representatives available help anytime at 888-561-8861. You're also invited to visit us any of our Stores. To find one near you, please click here: https://go.td.com/1nq31dc.
We hope you're having a great day, Paul, and Happy Holidays!
Candice A, Mount Laurel
December 5, 2017 10:08:45 AM