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I am a long-time TD Canada Trust customer who has recent moved the US. I understand that I can apply for a TD cross border credit card and my Canadian credit history will be reviewed for that application. What isn't clear is whether having this credit card is a benefit to my US credit score. In other words, will having this card influence my US credit score in a way that is different from any other credit card?
September 26, 2016 07:20:57 AM
Borrowing & Managing Your Credit
In reply to Jessamyn, Charlottesville
Thanks for stopping by the TD Helps Community, Jessamyn.
Here at TD Bank U.S., we offer several types of Visa Credit Cards, for individual Customer needs. Please take a look here https://go.td.com/1zF2P7B 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: https://go.td.com/2dvGV8e. 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
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, https://go.td.com/1f9DSJR.
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.
You may also apply for a TD US Dollar Visa Card with our friends at TD Canada Trust and then make payments from your TD Canada Trust U.S. Dollar account. Please check out: https://go.td.com/2dtb1pW for more information.
We hope this information is helpful, Jessamyn and please take care.
Alara B, Mount Laurel
September 26, 2016 07:22:53 AM