Jan 2, 2014, 12:03 am
Master thread TD Aeroplan credit card
Apr 22, 2014, 6:28 pm
#1486
Join Date: Jan 2013
Programs: Aeroplan Diamond, SPG Plat, Hilton Gold, Marriott
Posts: 1,839
Just an update as I called TD today to get Aeroplan CC #2 (I already have TD Aeroplan Infinite)
I was told it's "one bonus PER CUSTOMER", not per card, so I wouldn't get the 2nd bonus again, even if I applied for a DIFFERENT card (say Platinum, 10K Aeroplan)
Sucks, next time I should've applied earlier before TD caught on
I was told it's "one bonus PER CUSTOMER", not per card, so I wouldn't get the 2nd bonus again, even if I applied for a DIFFERENT card (say Platinum, 10K Aeroplan)
Sucks, next time I should've applied earlier before TD caught on
Apr 22, 2014, 7:20 pm
#1487
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,290
But like I and others have stated, TD makes the rules as it goes along, and round to their favour, have knit picky rules and generally are like those cheap people we all love to hate.
I have never liked TD's credit cards, and still don't. I'm cancelling my in transition Biz cards, actual TD biz cards even though I have to pay CIBC $180 for their BIZ Aerogold, I'm just waiting for the miles.
I'm still shocked the TD biz card has a mag. stripe, no chip! I think Sobeys needs ID now for mag stripe cards, it looked that way today, unless I read the note wrong.
I have never liked TD's credit cards, and still don't. I'm cancelling my in transition Biz cards, actual TD biz cards even though I have to pay CIBC $180 for their BIZ Aerogold, I'm just waiting for the miles.
I'm still shocked the TD biz card has a mag. stripe, no chip! I think Sobeys needs ID now for mag stripe cards, it looked that way today, unless I read the note wrong.
Apr 22, 2014, 9:01 pm
#1488
Join Date: Nov 2011
Posts: 6,385
Did TD not say that it was one bonus per customer?
ID for using your credit card is illegal, no? I feel like I've heard that somewhere...
But like I and others have stated, TD makes the rules as it goes along, and round to their favour, have knit picky rules and generally are like those cheap people we all love to hate.
I have never liked TD's credit cards, and still don't. I'm cancelling my in transition Biz cards, actual TD biz cards even though I have to pay CIBC $180 for their BIZ Aerogold, I'm just waiting for the miles.
I'm still shocked the TD biz card has a mag. stripe, no chip! I think Sobeys needs ID now for mag stripe cards, it looked that way today, unless I read the note wrong.
I have never liked TD's credit cards, and still don't. I'm cancelling my in transition Biz cards, actual TD biz cards even though I have to pay CIBC $180 for their BIZ Aerogold, I'm just waiting for the miles.
I'm still shocked the TD biz card has a mag. stripe, no chip! I think Sobeys needs ID now for mag stripe cards, it looked that way today, unless I read the note wrong.
Apr 22, 2014, 9:24 pm
#1489
Join Date: Dec 2011
Location: West
Posts: 3,357
Apr 23, 2014, 9:05 am
#1490
FlyerTalk Evangelist
Join Date: Oct 2011
Location: Anywhere I need to be.
Programs: OW Emerald, *A Gold, NEXUS, GE, ABTC/APEC, South Korea SES, eIACS, PP, Hyatt Diamond
Posts: 16,046
It CAN be done IF the CC signature does not match the back of the CC as a method of verification.
I know that VIOR does prevent merchants from requiring ID in order to pay by Visa.
(I do not know MC regulations as well but the cards here are all Visa cards so other card regulations are irrelevant.)
Apr 23, 2014, 9:32 am
#1491
Join Date: Jan 2011
Location: YYZ
Programs: Accor ALL Diamond, AC Aeroplan 25K, Nexus/GE
Posts: 2,732
I don't think asking for ID is illegal. I've been asked a few times when my chip wouldn't work and they wanted ID before accepting a swipe. I'm completely OK with retailers doing that, since it's an additional step in preventing fraud.
Apr 23, 2014, 11:08 am
#1493
A FlyerTalk Posting Legend
Join Date: Sep 2012
Location: SFO
Programs: AC SE MM, BA Gold, SQ Silver, Bonvoy Tit LTG, Hyatt Glob, HH Diamond
Posts: 44,326
Apr 23, 2014, 11:26 am
#1494
FlyerTalk Evangelist
Join Date: Jan 2005
Location: VCE
Posts: 14,165
In the EU not only is it legal to ask for ID, it is standard practice for any transaction that is without a chip+pin. You will notice many stores have signs to this effect posted clearly at every point of sale.
Apr 23, 2014, 11:42 am
#1495
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,290
The US is the last holdout for pin and chip technology. Read an article and it's hugely impacted fraudulent transactions for us Canadians. As for the US? It's coming, it has too, savings will probably be in the billions. Not that consumers will benefit mind you.
As for the "one bonus per customer" my branch manager TOLD me to get 2 cards so we would each get the bonus. He was as shocked as I was when I sent a ranting email. I did get the supplemental fee back as they took the 2 free cards and made one a supp. card with $49 tagged on. Nice eh?
I have my CIBC Aerogold for Biz on it's way. 15,000 for $180, ugh, but I will not support TD CC'd dept. For a business account they've been good to me for 25+yrs. Their new bank machines with the cheque scanning technology is OK, but every now and then I have a cheque the machine rejects and I have to line up to deposit it. I do get a 3'-4'L printout with the cheque images on it, comes in handy.
I remember the first biz credit card they gave us. $3K limit and no points. It felt like it was such a privilege even to be allowed to get the card (it was 15yrs ago). I still have the odd customer that has one, I feel like asking WHY???????????
As for the "one bonus per customer" my branch manager TOLD me to get 2 cards so we would each get the bonus. He was as shocked as I was when I sent a ranting email. I did get the supplemental fee back as they took the 2 free cards and made one a supp. card with $49 tagged on. Nice eh?
I have my CIBC Aerogold for Biz on it's way. 15,000 for $180, ugh, but I will not support TD CC'd dept. For a business account they've been good to me for 25+yrs. Their new bank machines with the cheque scanning technology is OK, but every now and then I have a cheque the machine rejects and I have to line up to deposit it. I do get a 3'-4'L printout with the cheque images on it, comes in handy.
I remember the first biz credit card they gave us. $3K limit and no points. It felt like it was such a privilege even to be allowed to get the card (it was 15yrs ago). I still have the odd customer that has one, I feel like asking WHY???????????
Apr 23, 2014, 12:07 pm
#1496
FlyerTalk Evangelist
Join Date: Oct 2011
Location: Anywhere I need to be.
Programs: OW Emerald, *A Gold, NEXUS, GE, ABTC/APEC, South Korea SES, eIACS, PP, Hyatt Diamond
Posts: 16,046
That being said in the EU they have different acceptance rules (their contract is with Visa Europe, and I know that France, Germany, UK, Italy, Spain, Portugal, Switzerland, Austria, Ireland are participating territories.)
Apr 23, 2014, 1:25 pm
#1497
Join Date: Dec 2011
Location: West
Posts: 3,357
"
Cashiers often ask for ID with credit card purchases to make sure the right person is using the credit card, thereby preventing credit card fraud. However, VISA and MasterCard merchant-credit card agreements don't allow stores to require ID for credit card transactions. Merchants can ask for ID, but they can't refuse the transaction if you don't show your ID.If a merchant refuses to honor your credit card because you won't show your ID, you can report to MasterCard online - Mastercard's Merchant Violation form - or report to VISA violations by calling the number on the back of your credit card.
Report a Problem Shopping
What is the nature of your concern?
........
The merchant/retailer is adding a surcharge for using your MasterCard card,
but did not disclose it before you paid.
The merchant/retailer required identification.
...... etc
"
And this is in place now and before chip cards.
Cashiers often ask for ID with credit card purchases to make sure the right person is using the credit card, thereby preventing credit card fraud. However, VISA and MasterCard merchant-credit card agreements don't allow stores to require ID for credit card transactions. Merchants can ask for ID, but they can't refuse the transaction if you don't show your ID.If a merchant refuses to honor your credit card because you won't show your ID, you can report to MasterCard online - Mastercard's Merchant Violation form - or report to VISA violations by calling the number on the back of your credit card.
Report a Problem Shopping
What is the nature of your concern?
........
The merchant/retailer is adding a surcharge for using your MasterCard card,
but did not disclose it before you paid.
The merchant/retailer required identification.
...... etc
"
And this is in place now and before chip cards.
Apr 23, 2014, 8:47 pm
#1498
Join Date: Dec 2011
Location: Canada
Programs: *void
Posts: 2,408
Just an update as I called TD today to get Aeroplan CC #2 (I already have TD Aeroplan Infinite)
I was told it's "one bonus PER CUSTOMER", not per card, so I wouldn't get the 2nd bonus again, even if I applied for a DIFFERENT card (say Platinum, 10K Aeroplan)
Sucks, next time I should've applied earlier before TD caught on
I was told it's "one bonus PER CUSTOMER", not per card, so I wouldn't get the 2nd bonus again, even if I applied for a DIFFERENT card (say Platinum, 10K Aeroplan)
Sucks, next time I should've applied earlier before TD caught on
I'll send you a PM with some tips, otherwise Capt Fluffypants would replicate my ideas and claim to be the originator of my ideas, as so often happens.
Apr 24, 2014, 5:27 am
#1499
Join Date: Mar 2008
Location: Toronto, Canada
Programs: Aeroplan, Bonvoy, Alaska, Avios
Posts: 1,290
I have essentially got nothing from TD. If I would have bothered with the Infinite card, I probably would have got the bank account offer as well. At the time I was getting so many miles I got lazy. I'll call TD to see if I can get FYF. Wonder if the one bonus per customer applies if one has a business card vs a personal card....even though I still gave not seen my 20K Bonus for the biz card.
Apr 24, 2014, 8:36 am
#1500
FlyerTalk Evangelist
Join Date: Oct 2011
Location: Anywhere I need to be.
Programs: OW Emerald, *A Gold, NEXUS, GE, ABTC/APEC, South Korea SES, eIACS, PP, Hyatt Diamond
Posts: 16,046
"
Cashiers often ask for ID with credit card purchases to make sure the right person is using the credit card, thereby preventing credit card fraud. However, VISA and MasterCard merchant-credit card agreements don't allow stores to require ID for credit card transactions. Merchants can ask for ID, but they can't refuse the transaction if you don't show your ID.If a merchant refuses to honor your credit card because you won't show your ID, you can report to MasterCard online - Mastercard's Merchant Violation form - or report to VISA violations by calling the number on the back of your credit card.
Report a Problem Shopping
What is the nature of your concern?
........
The merchant/retailer is adding a surcharge for using your MasterCard card,
but did not disclose it before you paid.
The merchant/retailer required identification.
...... etc
"
And this is in place now and before chip cards.
Cashiers often ask for ID with credit card purchases to make sure the right person is using the credit card, thereby preventing credit card fraud. However, VISA and MasterCard merchant-credit card agreements don't allow stores to require ID for credit card transactions. Merchants can ask for ID, but they can't refuse the transaction if you don't show your ID.If a merchant refuses to honor your credit card because you won't show your ID, you can report to MasterCard online - Mastercard's Merchant Violation form - or report to VISA violations by calling the number on the back of your credit card.
Report a Problem Shopping
What is the nature of your concern?
........
The merchant/retailer is adding a surcharge for using your MasterCard card,
but did not disclose it before you paid.
The merchant/retailer required identification.
...... etc
"
And this is in place now and before chip cards.
Plus, there are those of us who use our cards overseas (though not for this card due to FX surcharge, and, in some cases, ability to receive CCs in other nations that I visit a lot.)