For my first card I called the number listed on the sticker that was on the new TD Aero Visa, and I had to speak to a rep () in order to activate. It was annoying, so I found a number that you could call to activate without speaking to any reps at all (and thus bypass the up-sells)...saved 10 mins of my life, for each additional card thereafter.

All of my cards generated statements with the annual fees posted and waived, except the first one. The statement posted with the $120 fee, and then it showed up a few days later as an online transaction, crediting $120 to the card account. I wasn't sure if I should pay the first statement with the $120 balance, as I wanted to be sure it wouldn't generate a bad ding on my credit file, so I spoke to a TD rep who said to just ignore the $120 amount on the statement, no need to pay it at all. So, I let it ride, did not pay anything till my second statement...no issues.