Chewie Posted August 17, 2010 Report Share Posted August 17, 2010 screw TD Visa. I'm gonna pay it off next month and close it up. Any suggestions. I want a low int rate and no annual fee. Anyone got a recommendation? Link to comment Share on other sites More sharing options...
DevO Posted August 17, 2010 Report Share Posted August 17, 2010 What is the story with TD Visa? I use them.. Got to know the dirt. Link to comment Share on other sites More sharing options...
TheAlphaNerd Posted August 17, 2010 Report Share Posted August 17, 2010 MBNA mastercard would be my suggestionI've had nothing but a great experience with them...Currently I have a no fees platinum card with rewards at 9.9%I don't know if you can sign up for that one.. but I think they have a no fees gold card at 9.9 right now Link to comment Share on other sites More sharing options...
ollie Posted August 17, 2010 Report Share Posted August 17, 2010 What TheAlphaNerd said. Link to comment Share on other sites More sharing options...
TheAlphaNerd Posted August 18, 2010 Report Share Posted August 18, 2010 Did I mention my no fees platinum card comes with insurance for rental cars!!! (I for serious don't work for mbna ) Link to comment Share on other sites More sharing options...
phishtaper Posted August 18, 2010 Report Share Posted August 18, 2010 credit cards? ... nobody wants to trade for my goats and coloured rocks anymore. Link to comment Share on other sites More sharing options...
jaybone Posted August 18, 2010 Report Share Posted August 18, 2010 I just picked up a Costco Amex. It's good as long as you don't carry a balance each month, the interest rates aren't friendly.You get 3% back on all restaurant purchases, 2% back on gas and 1.5% on all Costco purchases (money paid back monthly). I use it for those purchases exclusively and put everything else on my Scotia Cash Back Visa (1.5% back on all purchases- paid annually). Link to comment Share on other sites More sharing options...
MoMack Posted August 18, 2010 Report Share Posted August 18, 2010 Don't close the TD you're getting rid of - closing them is bad on the credit (I think - you may want to double check this).I'm a CIBC Aeroplan guy myself - decent flights via Air Canada. Takes about 15000 points (1+/dollar) to hit NYC/MKE/CHI/BOS etc. 25,000 gets you to Calgary/Halifax.35,000 gets you to NOLA/MEX Link to comment Share on other sites More sharing options...
MoMack Posted August 18, 2010 Report Share Posted August 18, 2010 ps. if you have a look over on redflagdeals.com I think you'll find a chart that compares all sorts. Link to comment Share on other sites More sharing options...
Chewie Posted August 18, 2010 Author Report Share Posted August 18, 2010 Thanks folks. I'm gonna do so more homework...especially the affecting credit score for closing one. TD Visa raised my interest rate from 9.5% to 21% b/c my wife missed last month's payment by 8 days. (total oversight on her part and Immediately paid off 25% of the balance when she realized she was late). I've had that card for YEARS. and this is how they treat me? fugg em Link to comment Share on other sites More sharing options...
jaybone Posted August 18, 2010 Report Share Posted August 18, 2010 In that situation, I would talk with customer service, someone higher up and let them know the situations. You don't feel you were treated fairly and will be looking for another CC if they don't do something to make it up to you. Know in advance what other deals are out there and make them beat it. TD likely won't want to lose a good client who will likely make them lots of money in the years to come. Link to comment Share on other sites More sharing options...
Ms.Huxtable Posted August 18, 2010 Report Share Posted August 18, 2010 AND that you'll be posting on message boards about them. They don't like that.Good luck. Link to comment Share on other sites More sharing options...
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