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Old Jan 30, 2016 | 1:23 pm
  #3311  
JJonahJ
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Originally Posted by Clipper801
YMMV. In my personal case, the telephone agent would only agree to pro-rate the refund for the full remaining month only. The month that the annual appears is the first month. So I was only refunded 11/12 of the $120 fee. TDCT's cheap.
TD ARE cheap! But, also stupid. I had 4 cards opened concurrently when they launched the TD Aero Visa, back in Jan 2014. The promo in those days were all FYF, so $120 AF charged, and $120 rebate received - nothing new here. But when I cancelled or product switched them during the 2014 summer, they gave me additional and unexpected pro-rated REFUNDS on the annual fee, when I had already received the $120 rebate credits during the first month(s) of card ownership.

Looks like they've fixed it nowadays, as I no longer see these 'mistake refunds' on my most recent early-cancelled cards.
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