TDCS Credit Card Lesson

​Credit Card Activity

TD Cash Secured Card​

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Quick Facts

• Linked to ​a Savings Account​

• $29 annual fee

• Minimum credit limit of $300​

• ​

​1% Cash Back

Multiple Choice

According to the last slide, what is the % of cashback a secured card can earn on eligible purchases?

• 0.5%

• 2%

• 1%

• 1.5%

​Not eligible for points:

Balance Transfers

Cash Advances

Purchases of travelers checks

Money orders

Lottery tickets

Gambling chips

Wire transfers

Foreign currency

Purchases of prepaid cards

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​redeem when at least 2,500 Points have been accumulated

each point will be worth at least 1 cent when redeemed(1 cent per $1 = $25)

Reasons you would lose points?​

• Serious delinquency in payments (TD will make the determination, but should never be less than 60 days)

• Filing for Bankruptcy (​+ account closure)

• Fraudulent activity or misuse associated with your Account

• Returns, credits, or adjustments​

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Fill in the Blanks

TD Bank shall be solely responsible for making the determination as to what constitutes "serious delinquency," which can result in lost reward points, but in no event will it be less than how many days?

• You earn three (3) points for each one dollar ($1) for dining purchases; two (2) points for each one dollar ($1) of grocery store purchases; and one (1) point for each one dollar ($1) of other purchases.

Accounts open before 4.23.20​

​You earn one (1) point for each one dollar ($1) on all eligible purchases.

​​Accounts opened after 4.23.20

​April 23

​​April 23

Multiple Choice

What is the annual fee for the TD Secured Card?

• No Fee

• $10

• $29

• $25

​GRADUATION

​If a Customer currently has a TD Secured Credit Card account in good standing, their account will automatically be reviewed in month eight for eligibility to for an unsecured personal TD Credit Card. If the Customer is not eligible, the evaluation process will continue each month thereafter.

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TD First Class Visa Signature® Credit Card

​Quick Facts:

• ​Minimum Credit Limit is $5,000 (automatic-signature)

• $89​ Annual Fee (waived 1st year)

• ​Earns "miles" instead of points

​3X First Class miles on travel and dining purchases

(including flights, hotels, car rentals, cruises, tolls & bridge fees, dining)

Rewards Miles?​

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​Miles are redeemable for travel, cash back in the form of a statement credit, direct deposit to a US bank, merchandise or gift cards selected from the available options.

​​1X First Class miles on all other purchases 

​Upon redemption one (1) Mile is worth one penny ($0.01) when redeemed for Cash Back. Here is an example of how Miles are converted to Cash Back: 20,000 Miles are redeemable for $200 Cash Back.

Can only redeem when 2,500 miles have been accumulated​

Multiple Choice

What is the annual fee for the TD First Class Signature Card?

• $39

• $59

• No Fee

• $89

​Exclusive Benefits

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• Purchase security

• Roadside dispatch

• Concierge service

• Signature perks, including special offers and exclusive events

• Warranty manager services

• Annual summary statements

​Travel and emergency assistance services

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Travel accident insurance

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Lost luggage reimbursement

​Roadside Dispatch

Poll

True or False: Customers are responsible for any tax liability related to the Rewards Program.

• TRUE

• FALSE

Multiple Choice

Which of the following is NOT a signature benefit that was listed on the "Exclusive Benefits" slide?

• Concierge service

• Lost luggage reimbursement

• No ATM fees

• ​Roadside Dispatch

Fill in the Blanks

How many miles must be accumulated in order to convert the miles earned into cash back on the TD First Class Visa Signature?

​Earn 25,000 bonus miles when you spend $3,000 within the first 6 billing cycles¹

​Current Promotion