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Credit Card Frequently Asked Questions


How can I apply for a credit card from TD Bank?
You can apply:
When will I receive my card?
Upon approval, you will receive your card within 7-10 business days.
What are the credit limits for the different credit cards?
The minimum credit limit is $500 with a maximum of $25,000 for the TD Cash RewardsSM Visa® and TD Easy RewardsSM Visa® cards. The TD Simply Flexible BusinessSM Visa® Card and TD Easy Rewards BusinessSM Visa® Cards have a minimum credit limit of $500.
How does the TD Simply Flexible Business Visa card work?
Available exclusively through TD Card Services, you have the flexibility to select your standard Annual Percentage Rate (APR) based on your monthly payment. If you pay 10% or more of your outstanding balance, you will get the lowest available APR. If you pay 5-9.99%, you will get the middle tier APR. If you pay less than 5% of your balance, you will receive the highest APR.
What are the rewards associated with the TD Cash Rewards and TD Easy Rewards cards?
The TD Cash Rewards Visa Card allows you to earn up to 2% cash back on everyday purchases for the first 6 months. After the introductory period, earn 1% cash back on all eligible retail purchases. Cash can be redeemed starting as low as $25 or automatically redeemed at year-end as a statement credit.

The TD Easy Rewards Visa Card and TD Easy Rewards Business Visa Cards allow Customers to earn 2X rewards points on everyday purchases for the first 6 months. After the introductory period, earn one point for every $1 in eligible retail purchases. Points can be redeemed for gift certificates, merchandise, travel rewards and more. There are no caps and no limits to the rewards you can earn and your points do not expire.

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Can I transfer a balance from another card to a TD Bank card?
Yes. You can transfer balances from Visa, MasterCard and other eligible credit card accounts.
How can I request a credit limit increase?
Please contact us at 888-561-8861.
Can I get my statement online?
Yes, in our Card Account Access area, you can view your statement and conduct other account management functions.

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Can I view my rewards points online?
Yes, once you receive and activate your card, you will need to register online. Simply click on the "Card Account Access" link and register your card. Once you've received a confirmation message, you can view your points in the Card Account Access area. Or, you can visit our Card Rewards site and register to view your rewards.
Can I manage my credit card account online?
Yes, in our Card Account Access area you can view your account, account balance, transactions, payments due, transaction history and many other options.
How can I get a copy of my Cardmember Agreement?
You can view a generic agreement online.

Or, if you're an existing cardholder and would like to get your specific card agreement, you will need to register your credit card within our Card Account Access area or call us at 888-561-8861 (you will need to provide your account number and the name on the card).

Is my online credit card account information secure?
Our Card Account Access area is subject to the same stringent security measures as the rest of the TD Bank website. However, keep in mind that even the best security systems won't work unless you also take precautions to safeguard your personal information. Read more about TD Bank's commitment to security.
What are the ways I can make credit card payments?
You have three options to make your credit card payments: online, in your local store or through the mail at TD Bank, P.O. Box 23072, Columbus, Georgia 31902-3072.
What is Payment Protector?
Payment Protector is an optional service that can help protect you from outstanding credit card debt in the event of your involuntary job loss, disability, unpaid leave of absence, hospitalization or accidental death.
Learn more about Payment Protector
I forgot my Personal Identification Number (PIN). How can I find out what it is?
You can request a replacement PIN by calling our Customer Service line at 888-561-8861.
What do I do if my credit card is lost or stolen?
Please contact us immediately at 888-561-8861 and we will cancel your card and send you a new one within 24-48 hours. If you have automatic bill payments set up, they will be transferred to your new card. And with Visa's Zero Liability Policy, you will not be liable for purchases made online or for signature-based transactions at merchants.
How do I get a replacement card?
We offer "Fast Card" replacement within 48 hours – all cards are sent out via Federal Express.
How do I dispute a charge on my credit card?
If you believe there is an error on your statement, please contact us immediately at 888-561-8861 and a specialist will work with you to research the transaction and resolve it.
What should I do if I think my card is being used fraudulently?
Please contact us immediately at 888-561-8861 and a dedicated specialist will help you.
What is the late payment fee?
Please see the disclosure page for actual fee amounts.*
What emergency features are available on the credit cards?
Credit card Customers will have 24/7 access to our Credit Card Customer Support hotline (888-561-8861). You will also receive benefits through Visa International such as Emergency Card Replacement, Lost/Stolen Reporting, Auto Rental Collision coverage, Damage Waiver Program and Zero Liability Program.
How do I change my billing address?
Please contact us at 888-561-8861 and we will update our system with your new information.
What are the Customer Service hours of operation?
Customer Service is available 24/7, 365 days a year.
*See the Terms and Disclosures for details about APRs, fees, balance transfers and eligible purchases.

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