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.
Keep in mind that it’s best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.
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.
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.
There is no minimum credit score to get a credit card, if any credit card will do. Some credit card companies don’t even check applicants’ credit history, and the main approval requirement is that you earn more money than you spend. So it’s certainly possible to get a credit card even if you have a very low credit score or no credit score at all.… read full answer
But there is a difference between getting approved for a credit card in general and getting one of the better offers.
The credit score needed for credit card approval ultimately depends on which specific card you want to get. Most of the time, credit card companies have a credit score tier they’re looking for, and applicants will need a score in the required tier (or higher) for a good chance of approval. The tiers are bad, fair, good and excellent.
The thing is, credit cards require scores that are a bit higher than the traditional minimum for each tier in the overall credit score range, according to WalletHub’s research. So for each credit tier, you can see a “traditional” score range and a “WalletHub recommended” score range below.
Here is the credit score needed for a credit card at each level:
One way to estimate your credit card approval odds is to check for pre-approval. Many major issuers will allow you to check for free. It won’t hurt your credit score. And you’ll get a pretty good idea of your chances. Plus, if you’re not sure what your score is yet, you can check your latest credit score for free on WalletHub. You’ll also get personalized credit card recommendations with high approval odds.
Just remember that having a qualifying credit score does not guarantee credit card approval. The credit card application process takes many other factors into account. Payment history, existing debt and income play big roles, too.
TD Bank typically pulls credit reports from Experian when evaluating credit card applications, but it could use any of the three major credit bureaus (TransUnion, Equifax, Experian). So if any of your credit reports are frozen, you should unfreeze them before submitting an application for a TD Bank credit card.
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