Dec 4, 2014, 3:09 pm
Last edit by: zeppoloveskafka
Was given number 1-877-745-5040 as direct number for claiming rewards.
But easier to do at https://easyrewards.tdbank.com/ and statement credits post very quickly.
Target and Walmart seem to be posting at 1%, even when they are supposed to code grocery.
But easier to do at https://easyrewards.tdbank.com/ and statement credits post very quickly.
Target and Walmart seem to be posting at 1%, even when they are supposed to code grocery.
TD Bank [USA] Cash Rewards [Consolidated]
Feb 13, 2015, 3:26 am
#181
Join Date: Aug 2014
Posts: 282
When is the last day of bonus? Is it 6 calender months, exactly 180 days, 6 statement periods, or something else?
EDIT: "first 6 billing statements"
http://www.tdbank.com/personalcredit...wardscard.html
EDIT: "first 6 billing statements"
http://www.tdbank.com/personalcredit...wardscard.html
Feb 13, 2015, 9:35 am
#182
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
Feb 16, 2015, 10:58 pm
#183
Join Date: Aug 2014
Posts: 282
Sorry if this is posted somewhere, I was unable to find the thread.
For the first 6 months after sign up, you get 5% cash back on groceries, gas and cable, phone and utility bill payments with the TD Bank Cash Rewards card. The utility bill payments are a big deal for me, since this is the only card that I know of right now that gives 5% on electricity and gas bills. One could buy gift cards and use them to pay your utilities, but that has additional fees in buying the gift card (not to mention that there are much cheaper ways of getting money off of visa/mc gift cards).
In any case, I recently found out that you can churn these cards. I closed my account in January 2013, and re-applied in September 2013, and they gave me the 5% bonus for 6 months again! They said you are considered a new customer after 3 months of closing your CC, so a husband and wife could get the 5% bonus indefinitely by applying and closing accounts.
Note, it is not easy to apply for this card; you either have to have an account with TD Bank or apply in person at a branch. Gotta love the Canadians.
For the first 6 months after sign up, you get 5% cash back on groceries, gas and cable, phone and utility bill payments with the TD Bank Cash Rewards card. The utility bill payments are a big deal for me, since this is the only card that I know of right now that gives 5% on electricity and gas bills. One could buy gift cards and use them to pay your utilities, but that has additional fees in buying the gift card (not to mention that there are much cheaper ways of getting money off of visa/mc gift cards).
In any case, I recently found out that you can churn these cards. I closed my account in January 2013, and re-applied in September 2013, and they gave me the 5% bonus for 6 months again! They said you are considered a new customer after 3 months of closing your CC, so a husband and wife could get the 5% bonus indefinitely by applying and closing accounts.
Note, it is not easy to apply for this card; you either have to have an account with TD Bank or apply in person at a branch. Gotta love the Canadians.
I found that in my case, the transaction can be in the 7th statement period and still earn 5% if the transaction date (not the post date) is less than or equal to the 6th statement close date.
Feb 16, 2015, 11:04 pm
#184
Join Date: Feb 2013
Programs: AA, UA, US, DL, SPG Gold, HHonors Gold, Club C. Gold, Marriott Silver
Posts: 122
My account is now under review. Does anyone know what I can expect? I have had holds with this card for up to 8 days, but this will be my first review. I was told that someone will call me in 24-48 hours or maybe longer.
Feb 17, 2015, 1:01 pm
#185
Join Date: Nov 2008
Location: Dallas, TX
Programs: AA EXP, Marriott LT Titanium, Avis Chairman
Posts: 1,286
Yes, I still have online access. And you're right, I can't make any purchases with it. The way I know it's under review is that there's a huge banner when I log in telling me that my account is restricted and directing me to call customer service. Still same account status 2.5 weeks later.
Feb 17, 2015, 1:05 pm
#186
Join Date: Nov 2008
Location: Dallas, TX
Programs: AA EXP, Marriott LT Titanium, Avis Chairman
Posts: 1,286
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?
Feb 17, 2015, 1:06 pm
#187
Join Date: Nov 2008
Location: Dallas, TX
Programs: AA EXP, Marriott LT Titanium, Avis Chairman
Posts: 1,286
Feb 17, 2015, 1:09 pm
#188
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
So technically, your spending is still during the 6th statement period, it just didn't posted until the 7th statement period. Right?
Feb 17, 2015, 1:12 pm
#189
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
Feb 18, 2015, 4:09 pm
#190
Join Date: Apr 2013
Location: Lehigh Valley, Pennsylvania
Programs: Milege+, SkyMiles, AAdvantage, HHonors Diamond, Marriott Gold
Posts: 1,685
I received an offer for TD First Class Rewards Visa. 3% on travel, dining, 30K sign up bonus, $89 AF waved first year. I don't find this offer that compelling.
Feb 20, 2015, 6:56 pm
#193
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
How do you know your account is under review? I used my card in a restaurant early today and it worked fine, but it did not work when I tried to use it in a grocery store. I logged in my account, I did not see banner what some people mentioned. Does that mean my account is restricted?
Feb 20, 2015, 7:13 pm
#194
Join Date: Apr 2013
Posts: 584
How do you know your account is under review? I used my card in a restaurant early today and it worked fine, but it did not work when I tried to use it in a grocery store. I logged in my account, I did not see banner what some people mentioned. Does that mean my account is restricted?
Grocery for me.
you could be restricted seriously, or just one purchase was declined for fraud concerns.
They wouldn't tell me what my limit was for the restriction. I'm a bit surprised they didn't just shut me down completely.
Feb 20, 2015, 7:37 pm
#195
Join Date: Feb 2010
Programs: UA, CO, Delta, AA, BA, Hilton, Starwood, Marriott
Posts: 211
I called in to number on the back and they told me (first had to get transferred to account specialist). No mention of it being blocked online.
Grocery for me.
you could be restricted seriously, or just one purchase was declined for fraud concerns.
They wouldn't tell me what my limit was for the restriction. I'm a bit surprised they didn't just shut me down completely.
Grocery for me.
you could be restricted seriously, or just one purchase was declined for fraud concerns.
They wouldn't tell me what my limit was for the restriction. I'm a bit surprised they didn't just shut me down completely.