That's for sure. I'm new, not only to this thread, but to TD in general. I'm tempted to apply for an Aeroplan card, but I have no idea how TD is about HPs. I've also read back a ways, but not the entire 237 pages without seeing anything about this.

I only have 4 HPs in the last 6 months, which Citi wouldn't even blink at. But I also have something like 22 in the past 24 months, which Chase would have a fit about.

I have a targeted offer for the Aeroplan card which is good thru the end of the year. And I'm not in any hurry to apply if waiting will increase my chances of approval. I do want to apply for the recently increased HH 75K card, but even with that app I would be down to just that one HP by early November. Do I need to wait to apply for the TD card, or am I good to go now?