To talk to TD Bank customer service, call 1-888-751-9000 and then enter your account or card number and press #. This process will get you in contact with a live TD Bank representative who should be able to answer your questions or direct you to the appropriate department.
To contact the TD Bank reconsideration line, call 1-888-751-9000. The TD Bank reconsideration line is a way for denied credit card applicants to request a second review of their application and potentially get the denial overturned. In the case of TD Bank, the reconsideration line is the same as the issuer’s general customer service number.… read full answer
If you call to request reconsideration from TD Bank, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
To get a credit card for the first time, you must be at least 18 years old and have enough income to afford monthly credit card payments, in addition to your other expenses. The minimum payments on a starter credit card usually are around $15 per month.
The two basic steps involved in getting a credit card for the first time are to: 1) compare credit card offers designed specifically for people with limited or no credit history; and 2) apply for one with no annual fee, if available – rewards and APRs can be the tiebreaker.… read full answer
There are plenty of other things about the process of picking, applying for and getting your first credit that are important to learn, too. We’ll walk you through them below, step by step.
How to Get a Credit Card for the First Time
1. See if you have a credit report and score.
You could have more credit history than you think, perhaps from being an authorized user on a family member’s credit card. This will help you determine how good of a credit card you should shoot for. Check your latest credit score and credit report for free on WalletHub.
2. Determine whether student credit cards are an option.
College students can usually get better first credit cards than other people with no credit. Their youth and above-average expected income make them attractive to banks and credit unions. If you’re enrolled in school, check out the best student credit cards.
3. Compare secured and unsecured starter cards.
Secured credit cards have the highest approval odds, but they require you to place a refundable security deposit. The amount of that deposit becomes your spending limit. Unsecured cards are harder to get but have no deposit.
4. Limit your search to cards with the lowest fees.
Focus on weeding out cards with expensive non-refundable fees. A no annual fee credit card with no security deposit is best. But a low-fee secured card isn’t bad, either. You can get back your deposit when you close your account.
5. Choose the best remaining offer for your needs.
If several credit cards are tied for the lowest fees and highest approval odds, consider the terms that are next most important to you. If you plan to pay your bill in full every month, that will probably be rewards. If not, you may want to focus on interest rates.
6. Confirm you have enough income
If you’re at least 21 years old, you can list household income and assets that you have reasonable access to on your credit card application. Applicants who are 18-20 years old can only list independent income and assets, but even having a part-time job should provide enough income to get a credit card for the first time.
7. Submit your credit card application.
Apply online for the fastest decision. You may even be approved instantly if you clearly meet the issuer’s criteria. You should receive your card within 7-10 business days of being approved.
Learning how to get a credit card for the first time is a rite of passage for young adults after turning 18 years old. And it’s a lot easier than you might think. The key is to choose wisely, by focusing on offers for people with limited credit and secured credit cards, which provide nearly guaranteed approval.
Key Things to Know About Choosing Your First Credit Card
High approval odds are among the most important things to look for in your first credit card.
The sooner you get approved, the sooner you can begin building your credit standing. Getting rejected for a credit card sets you back, both in terms of time and possible damage to your limited credit.
Low fees are another key feature to seek out when getting a credit card for the first time.
Starter credit cards generally don’t offer rewards or interest rates worth paying high annual or monthly fees for. So it’s best to make your first credit card one with a $0 annual fee and always pay your monthly bill in full to avoid interest charges.
It’s really important to remember that learning how to get a credit card for the first time and getting approved are only the beginning.
If you can avoid racking up costly credit card debt and hurting your credit score with missed payments, your first credit card will be a huge asset. It will add positive information to your major credit reports each month. That will gradually improve your credit standing. And better credit will make it easier to rent an apartment, buy or lease a car, find a job, get approved for good loans and lines of credit and save on car insurance premiums, among other things.
To get a credit card, you need a Social Security number, a non-P.O. Box U.S. mailing address, some form of income, and to be at least 18 years old. If you’re under 21 years old, you will need your own independent income, rather than shared income, to get a credit card. Your legal name, phone number, email address and date of birth will be required, too. In some cases, an ITIN or passport will be accepted in place of a Social Security number.… read full answer
Even though people who are under 18 years old can’t get their own credit card account, they can easily become an authorized user on an adult’s account. This enables the authorized user to get a card with their name on it and to begin building credit, but they won’t be responsible for paying bills.
Here’s what you need to get a credit card:
Social Security number. ITIN or passport is acceptable, in some cases.
Street address. P.O. Box addresses are not accepted.
Annual income. For applicants under 21 years old, this can’t be shared income.
Age. You must be at least 18 years old. If under 18, you can become an authorized user.
Credit history. You don’t need credit history to get a credit card, but a good credit score will make it possible to get the best cards.
You can get a credit card with just the bare minimum qualifications, but you may not be able to get any credit card. There are credit cards for all categories of creditworthiness, so credit cards have vastly different approval criteria from card to card.
To see what credit cards you might qualify for, start by checking your credit score for free on WalletHub. You’ll also get personalized offers for credit cards that suit your personal financial situation, with approval odds included.
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