ramalama8

Anyone else's card been put on "referred status?" This essentially means that it's under review by some department and can't be used until it's been cleared. This has happened to me a few times before but up until now it has only been a couple of days that it's under review -- it has now been 5 days and I'm still getting the runaround from them that they're not sure when this will be resolved and that I'll get a call when it is. So that's weird.

However, an even more curious thing they mentioned is that they recently put a lot of accounts under an extended review -- is this happening to anyone else? Are they catching on?

zeppoloveskafka

Based on previous experiences, I suspect that it's less based on high volume of spend, and more based on related activities (lots of bill pays).

I had been previously signing on through their checking account site, and not the creditcard site, and I was not getting as much detailed info. Now that I am, I noticed I did not get 5% for a recent purchase (I got 4.6%). Another person told me they aren't getting 5% either for large purchases. Is everybody checking this carefully? I will be looking more closely to try and establish a pattern, or what is going on.

ramalama8

That's a good thought but I actually don't do any bill pay to this card. So that's probably not it.

XP1

When did you sign up? What's your credit line? How much do you spend?

zeppoloveskafka

anybody here tried multiple (2 or 3) ~1000 target loads back to back? Any fraud issues?

MilesJunkyardDawg

Don't do it. TD edits the 5x bonus rewards from Target even though Visa says it's a grocery store / supermarket. Or do it and get 1x.

XP1

Target grocery and Walmart grocery are 1%.

zeppoloveskafka

thanks... that is what I'm now seeing too. I guess the decision to switch to redcard is not so automatic anymore.

mrmandel

My account is under some sort of status. Should I call in or just wait?

ramalama8

My card is STILL under review -- what for? No idea. I can't get anyone to tell me anything and it's been over 10 days. I guess I'm now playing the waiting game -- serves me right for having my kids play it so much

hokiegl

Can you still access the online account? I assume you can't make any new charges to the card. How do you know you are under review? Denied purchase?

hokiegl

My account was frozen because of an external payment. They said it takes 8 days for the payment to "clear." They said I can come into a branch to verify the source of the payment to remove the hold immediately. Does anyone have any experience with this? What kind of proof do they need? Also, is this routine? Do you think these holds are initiate by humans or some kind of automated risk algorithm?

karenfly

When did you sign up? What's your credit line? How much do you spend?

I can see for miles

I'm in my two second month with the card, and, yes, these holds have occurred frequently. Early on, at least, TD doesn't like it when you make purchases on the day your payment clears (even when making payment by executing a transfer from a TD checking account) and your CL is restored. These holds have been put on my account four times. Two of the four times that I've visited a branch and had a CSR call, the hold on my account was removed; the other two times it took longer. Either way, it's always a circus. We're told many different things by many different TD CC folks, often during the same phone call.

I had a payment post today, and my CL was restored. But I'm waiting until tomorrow to go grocery shopping to see if giving it an extra day helps.

dogbyte

I have the TD Cash Rewards card, not the Easy Rewards. Does anyone know how to redeem the rewards without calling in?