TD Bank, America's Most Convenient Bank is one of the 15 largest commercial banks in the U.S., with more than 22,000 employees and deep roots in the community dating back more than 150 years. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5... show more
TD Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 10/15/2021.
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The Nordstrom Store Credit Card is available to people with fair/limited credit and does not charge an annual fee. As such, it’s a great way to invest in your credit standing. This card also offers a decent initial bonus and solid ongoing rewards, at least in percentage terms, giving you a $20 rebate on a purchase of at least $100 the day of account opening and then the points equivalent of 2% back on Nordstrom purchases. Plus, you’ll benefit from free alterations, “triple-points days” and other Nordstrom deals. But it’s important to note that most of that package is easily replaceable by another credit card. So you shouldn’t lose any sleep if you choose to let this offer slip by. And if you’re on the fence about whether to apply, you can learn more from our in-depth Nordstrom Credit Card review: https://wallethub.com/edu/nordstrom-credit-card-review/25965/.
TD Bank offers inexpensive personal loans, with APRs starting at 6.99% and stopping at a maximum of 18.99%. That’s around half as high as the 36% maximum possible from many other major lenders. TD Bank is also unique in that it’s one of a handful of major lenders that offer not just unsecured personal loans but secured loans as well. TD’s unsecured loans don’t charge origination fees, but there’s a $50 fee on secured loans.
One drawback to TD Bank is that they only operate in 15 states and D.C. However, people who do live in areas the bank services will be able to enjoy competitive terms on their loans. Customers can borrow up to $50,000 and can get up to 60 months to pay their loans off. TD also has a good reputation from the BBB and from their customers, which means consumers can borrow with confidence.
TD Bank Personal Loan Review Highlights:
• APRs: 6.99% to 18.99%
• Loan sizes: $2,000 to $50,000
• Payoff periods: 12 to 60 months
• Credit score requirement: 750+ (660+ for TD customers)
• Origination fee: $0 for unsecured, $50 for secured
• Other fees: $5 late payment fee
• Reputation: Payoff scores an A+ with the Better Business Bureau and has a 3.8/5 user rating on WalletHub.
• Co-signers: Allowed
Altogether, TD Bank personal loans are a great option for those fortunate enough to live in one of the states the bank services. Below, you can see how WalletHub rates TD Bank in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
The TD Bank Cash Visa Card is an average offer with a cherry on top for someone with the excellent credit needed for approval. That cherry comes in the form of a $100 initial bonus for spending just $500 within 90 days of account approval and the offer’s lack of an annual fee. The middling nature of the offer comes from its 1% cash-back base earning rate (supplemented by just 2% back only on dining); its unfavorable regular APR; and a 4% balance-transfer fee that ruins the availability of 0% financing on balance transfers for the first 12 months.
All things considered, this isn’t a bad card to have in your wallet if you’re a relatively light spender who has excellent credit, pays with credit primarily when dining out and never carries a balance from month to month. In such a scenario, it won’t cost you a thing and will provide a decent rewards yield without requiring much thought.
But if you want to get the best credit card possible, this isn’t the offer for you. The excellent-credit corner of the market is quite competitive, and there are better deals to be had whether you’re in the market for rewards or low-cost financing. For more information about how we came to this conclusion and some alternative offers to consider, check out our full-length TD Bank Credit Card review: http://wallethub.com/edu/td-bank-credit-card-review/25997/ .
I spent 40 minutes on the phone today to make a payment and discuss reimbursement of late fees. I was told that Target doesn't care about reasons for missed payments and it is fair and just to only give two late fee reimbursements regardless of circumstances. So a death in the family rates the same as just forgetting to make a payment. When you take the "Human" factor out of your business, you lose mine!
Nordstrom Department Store is pure class. I have enjoyed the Nordstrom Trunk program. I have nothing but good things to say about the store. Sharing a lunch with someone is a great event. I hold many happy memories of shopping and eating at Nordy's with special relatives.
This is a great card to have and use IF you’re going to be shopping at Target. Using their credit card each time gives you an automatic 5% discount and often higher for stated items or categories. When combining their ‘RedCard’ discount with others available, e.g., Target Circle discounts which change weekly, you’re able to save up to 25% or higher. The only downside is the interest rate is very high and so if you pay your balance off every month you’ll see net savings vs. having any of your awarded savings getting eaten up by carrying a balance!
I pay the Target card immediately dthat is all I have to say but you need more words that is such a ridiculous thing to have such a required number is I can say something in a few words whay should i nee d more
The Target Credit Card, also known as the Target REDcard, can be used to make Target purchases in-store and online. But it can't be used at other stores. On the other hand, the Target Visa credit card can be used anywhere Visa is accepted. But you can't apply for that version anymore.