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.
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Having outdated or incorrect information on your credit card application can delay your approval, so always make sure to double check everything before submitting it.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.
You can check your TD Bank credit card application status over the phone at (888) 561-8861. Then, follow the prompts to get connected to a customer service representative. Unfortunately, there is no way to check your application status online.
If you’re approved, you should receive your TD Bank credit card within 7 to 10 business days. If the application is denied, you can ask for … read full answerreconsideration by calling customer service. If they still deny you, try becoming an authorized user on someone else’s account.
If you need a credit card today, you should apply for either an American Express card, a Capital One card or one of the store cards that offer instant use. While it’s pretty common to get approved for a credit card the same day if you apply online, you’ll still usually have to wait another 7-10 business days before your card comes to use it.… read full answer
All American Express cards give you the potential for an instant card number after approval, which will give you access to part of your credit line until your card arrives. Capital One cards also provide instant use through the Capital One app, but that’s only possible if you’re an existing Capital One cardholder. Store cards, such as the Target Credit Card, may give you an instant number or code to use as a temporary version of your card.
The Amex Blue Cash Everyday offers up to $250: 20% back as a statement credit when you use PayPal to check out at merchants in the first 6 months (up to $150 back), plus a $100 statement credit for spending $2,000 in the first 6 months. The card also gives 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per year in each category), as well as 1% back on all other purchases, earned as statement credits. This card has a $0 annual fee.
The Costco Credit Card offers 4% cash back on eligible gas (up to $7,000 spent per year), 3% back on restaurants and travel, 2% back on Costco and Costco.com purchases, and 1% back on all other purchases. This card has a $0 annual fee but you must be a Costco member to get it. Th card gives a temporary code to scan at checkout until the actual card arrives.
The Capital One QuicksilverOne offers 5% cash back on hotel and rental cars booked through Capital One Travel, as well as 1.5% cash back on all other purchases. This card has a $39 annual fee. Must be an existing Capital One customer to see your card information through the app.
The Capital One Platinum Secured card requires a minimum security deposit of $49, $99 or $200. Your credit line will always be at least $200. This card doesn’t offer rewards. Capital One Platinum Secured has a $0 annual fee. Must be an existing Capital One customer to see your card information through the app.
The Target Credit Card offers 5% discount at Target and Target.com. The card has a $0 annual fee. Target Credit Card gives a temporary number after approval to use until your card comes.
While there’s no guarantee these options will get you a credit card today, they’ll certainly give you your best chance. Don’t forget that if you get approved for a Capital One card you’ll need to both already have another Capital One card open and have downloaded the app. Unfortunately, this option isn’t available to every Capital One customer, but Capital One doesn’t disclose who is eligible for instant card information. In the same way, all Amex cards give the potential for instant numbers, but aren’t guaranteed to give you one.
And if you’re interested in a store card, make sure to ask if they offer instant use first. Lastly, when your physical card arrives by mail in 7-10 business days, be sure to activate it right away.
Online: Applying online is the easiest option. All you need to do is provide your name, Social Security number, phone number, and other requested personal information. Then, submit your application and you’re all set.… read full answer
Over the phone: Call (888) 561-8861 and follow the prompts to get connected to a customer service rep. Keep in mind, that you cannot apply for the TD Cash Secured Credit Card over the phone. For this card you can only apply online or in person.
In person: To apply in person, visit a TD Bank location near you during normal business hours.
In most cases, you’ll get a quick decision when applying for a TD Bank credit card, but sometimes the issuer will need more time to verify your information. In this case, call (888) 561-8861 and follow the prompts to check your application status. Also, make sure to have your Social Security number handy for verification purposes.
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