Yes, TD Bank does charge a balance transfer fee on some of its credit cards. The TD Bank balance transfer fee is 3% (min $5) of the transferred amount for all TD Bank credit cards that allow balance transfers.
Balance Transfer Fees on Popular TD Bank Credit Cards
You can make a TD Bank Cash Credit Card payment online, by phone, through the TD Bank mobile app, by mail or at a bank branch. To pay a TD Bank Cash Credit Card bill online, log in to your online account and click on “Manage Card.” Then, choose how much to pay, when to pay it, and where the payment is coming from. TD Bank does allow cardholders to set up automatic payments, too.… read full answer
Ways to Make a TD Bank Cash Credit Card Payment
By phone: Call 1-888-561-8861 and enter your card information when prompted.
Online:Log in to your online account and click on “Manage Card.”
Through the mobile app: Log in to your account and select your card, then tap “PAY BILL.”
By mail: Send a check or money order (but not cash) to TD Card Services / P.O. Box 23072, Columbus / GA 31902-3072. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any TD Bank branch during normal business hours.
The credit score you need for a TD Bank credit card is usually 750+, though it depends on the card. One exception is the TD Cash Secured Credit Card because it accepts people with a credit score of 300+ which is considered bad 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.
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.
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.
Applying online is the most streamlined application method, so if you want a shot at instant approval, that’s the route you should take.
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.
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