Originally Posted by
peano
Yes, I know. They have just about every penny I own. Never, ever missed a payment. I do have a lot of credit available though - all at zero except my mortgage and LOC.
But they should know after 15 years I can handle it. With all their higher business fees and statement fees I am poised to change banks.
I don't really need the 15000 points and I definitely don't need the card but this will be a telling moment about how TD values my business.
Originally Posted by
heraclitus
I applied by phone to TD last week... after going through a long and tedious app process, I just found out my app for the Infinite was declined! The operator cited high Amex usage (who cares, as long as I pay it in full every month - which I do?!) and lots of inquiries over the past year. First time I have ever been declined!
Interesting. I walked into a TD branch on the weekend (not my normal branch) and did a face to face with an advisor for the VISA. I do have substantial investments but they're not my main bank for day-to-day and credit instruments. After answering the Q's, I was approved in less than a minute.