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Credit Cards

TD Credit Cards - Frequently Asked Questions

 

  1. How do I apply for a credit card online?
  2. How old do you have to be to get a credit card?
  3. I've just started working and don't have a credit history. Can I still apply for a credit card?
  4. How are credit card interest rates determined, and how can I find out the interest rate currently being charged on a particular card?
  5. How is foreign exchange calculated when I use my card outside Canada?
  6. Can I use my credit card to get cash from an Automated Teller Machine (ATM)?
  7. I forgot my Personal Identification Number (PIN). How do I find out what it is?
  8. What do I do if my TD Credit Card is lost or stolen?
  9. Do all credit cards offer emergency card replacement?
  10. How can I protect my credit card against fraud, theft and loss?
  11. Is it safe to give out my credit card number when purchasing goods and services by phone or online?
  12. What do I do if there is a transaction on my monthly statement that I don't recognize?
  13. How do I get additional cards for family members?
  14. How can I contact TD Credit Card? Where do I send my payments?
  15. How can I increase my credit limit?

  1. How do I apply for a credit card online?

  2. Simply choose the TD Credit Cards you would like to apply for, and select the "Apply Now" button. You will be taken to an application page and asked to submit the necessary information and agree to the Terms and Conditions. Once complete, select "Accept" and your application has been sent for processing. You will be notified regarding the status of your application within seven to ten business days. Only Canadian residents are eligible for consideration.

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  1. How old do you have to be to get a credit card?

  2. An applicant has to have reached the age of majority in their province or territory of residence.

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  1. I've just started working and don't have a credit history. Can I still apply for a credit card?

  2. In many cases, yes. Many banks and other issuers of credit cards are willing to provide young people, including students, with a basic credit card with a low credit limit such as $500. Responsible use of your first credit card can be a good way to start building a positive credit record.

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  1. How are credit card interest rates determined, and how can I find out the interest rate currently being charged on a particular card?

  2. The interest rates charged by different credit cards reflect several factors, including the bank's cost of funds and administrative costs. Changes in the interest rate charged by the Bank of Canada can affect credit card interest rates, but not as frequently as these changes affect personal loan rates. To find out the interest rate currently being charged on your credit card, just call the customer service department of the card issuer. Your monthly statement will also show the applicable interest rate for the billing period.

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  1. How is the foreign currency exchange rate determined when I use my card for a foreign currency transaction?

  2. If you have a Canadian dollar TD Credit Cards and use your Account to make purchases or obtain cash advances in a currency other than Canadian Dollars, the foreign currency will be converted to Canadian dollars as described in your TD Credit Card Cardholders Agreement and the converted amount, together with the applicable foreign exchange rate, will appear on your monthly statement. See the section “Foreign Currency Transactions” in your TD Credit Card Cardholder Agreements for complete details. If you have a TD U.S. Dollar Visa Card and use your Account to make purchases or obtain cash advances in a currency other than U.S. Dollars, the foreign currency will be converted to U.S. Dollars, in a similar manner as the Canadian dollar conversion above, as described in your TD U.S. Dollar Visa Cardholder Agreement and the converted amount, together with the applicable foreign exchange rate, will appear on your monthly statement. See “Foreign Currency Transactions” in your TD U.S. Dollar Visa Cardholder Agreement for complete details. As described in your applicable TD Credit Card Cardholders Agreement, the exchange rate that is used will be the rate on the date that a transaction is recorded in the Account and may be different from the rate in effect on the date of the transaction.

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  1. Can I use my credit card to get cash from an automated teller machine (ATM)?

  2. Most bank credit cards can be set up to enable you to use an automated teller machine (ATM). In order to use your card in an ATM, you will require a Personal Identification Number (PIN). You can obtain a PIN for a TD Credit Cards by visiting a TD Canada Trust branch. For the TD U.S. Dollar Visa Card, you can phone 1-877-983-1871. To use your TD Credit Cards in an ATM, you simply insert the Card into the machine, then key in your PIN. These withdrawals are cash advances and accrue interest from the date they are posted to your Account. Fees apply to cash advance transactions.

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  1. I forgot my Personal Identification Number (PIN). How do I find out what it is?

  2. As a security measure, PINs are not kept on our system. Therefore if you forget your PIN, a new one can be obtained at a TD Canada Trust branch. Please note, PINs for U.S. Dollar Visa Cards cannot be selected at a TD Canada Trust branch. If you require a PIN for your TD U.S. Dollar Visa Card, please call 1-877-983-1871.

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  1. What do I do if my TD Credit Card is lost or stolen?

  2. Credit cards, such as TD Credit Cards, have an international network for handling these situations. As soon as you discover that your Card is missing, call the customer service number provided with your Card. For your convenience, these numbers are provided for TD Credit Card Cardholders below. Your Card will immediately be cancelled and arrangements will be made for its replacement. Some Cards also offer a CardAssist Card Registry Service to assist you in the event that your cards are lost or stolen. If your TD Credit Card is lost or stolen please call one of the following numbers immediately:

    Toll free within Canada and the U.S.:
    1-800-983-8472

  3. or
    Call collect outside of Canada and the U.S.:
    (416) 983-8472
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  1. Do all credit cards offer emergency card replacement?

  2. In most cases, you can get your card replaced in an emergency, usually within a couple of days. All TD Credit Cards come with emergency Card replacement. If this feature is important to you, make sure your card has it; if it doesn't, apply for one that does.

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  1. How can I protect my credit card against fraud, theft and loss?

  2. Consult the special section on this website called "Protecting your Credit" to obtain helpful tips for protecting your credit card against fraud, theft and loss.

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  1. Is it safe to give out my credit card number when purchasing goods and services by phone or online?

  2. It is best to initiate the phone connection yourself and it is recommended that you deal only with a reputable and legitimate organization or merchant.

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  1. What do I do if there is a transaction on my monthly statement that I don't recognize?

  2. If there is a transaction on your monthly statement that you don't recognize, you must call TD Credit Card at 1-800-983-8472 within 30 days of the statement date and we will investigate on your behalf.

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  1. How do I get additional cards for family members?

  2. Supplementary TD Credit Cards can be obtained by written request to TD Credit Cards. Please contact TD Credit Cards at 1-800-983-8472 for more information.

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  1. How can I contact TD Credit Cards? Where do I send my payments?

  2. Complete contact and payment information is available through our Customer Service.

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  1. How can I increase my credit limit?

  2. Your financial history and income are used to determine your credit limit. To request a credit limit increase, please call the TD Credit Cards Customer Service Centre

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Interest rate, fees and features are subject to change.
Benefits, features and coverages are subject to conditions, exclusions, limitations, changes and cancellation. Some benefits and coverages are only offered to the Primary Cardholder.