How Long Does It Take to Get a TD Credit Card?

It is not very hard to get a TD Bank credit card because TD Bank offers cards for people with bad credit or better. The easiest credit card to get from TD Bank is the TD Cash Secured Credit Card, which is available to applicants with bad credit. Depending on your credit score, you may be able to qualify for other TD Bank credit cards, too.… read full answer

Minimum Credit Score for Notable TD Bank Credit Cards

• TD Cash Secured Credit Card: Bad credit
• TD Double Up Card: Excellent credit
• TD First Class Visa Signature® Credit Card: Excellent credit
• TD Bank Cash Credit Card: Good credit

Keep in mind that just because it’s not hard to get some TD Bank credit cards, that doesn’t mean it’s necessarily easy to get all of them. You’re also never guaranteed to be approved, even for the cards with the easiest approval requirements.

Yes, TD Bank gives instant approval on its credit cards, but only some of the time. Instant approval always is possible when applying for a TD Bank credit card online, though getting approved for an account immediately is never guaranteed. Fortunately, there are several things that can increase your chances of getting approved right away, from having a high credit score to making sure you fill out the application accurately.… read full answer

Factors That Increase the Odds of Instant Approval With TD Bank

• High credit score:

  The more your credit score exceeds a card’s requirements, the more likely you are to get approved right away.

• High income:

  The more money you make, the less risky you are as a borrower, and the easier it is for the issuer to make a decision. That’s especially true if you have little or no existing debt.

• Online applications:

  Applying online is the most streamlined application method, so if you want a shot at instant approval, that’s the route you should take.

• Accurate information:

  Having outdated or incorrect information on your credit card application can delay your approval, so always make sure to double check everything before submitting it.

• Unlocked credit reports:

  If your credit reports are frozen, TD Bank will not be able to evaluate your credit history.

Keep in mind that instant approval isn’t the same thing as instant use. There are very few credit cards that you can use right away after getting approved, rather than having to wait for the card to arrive by mail. You can learn more from WalletHub’s instant credit cards guide.

You need a credit score of at least 750 for most TD Bank credit cards. That means applicants for TD Bank credit cards need excellent credit to be approved. But it really depends on which card you’re after. Some TD cards require credit scores lower than that.

Keep in mind that it’s best to wait and apply for a given card after you meet the credit score requirement. You can … read full answercheck your credit score for free on WalletHub.

TD Bank Credit Score Requirements by Card

• TD First Class Visa Signature® Credit Card: 750+ (Excellent credit)
• TD Bank Cash Credit Card: 700+ (at least good credit)
• TD Double Up Card: 750+ (Excellent credit)
• TD Cash Secured Credit Card: 300+ (Bad credit)
• TD Business Solutions Credit Card: 750+ (Excellent credit)

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for a TD Bank credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.