tao4mike

3 Contributions 51 People Helped

Member Since: October 2012

Most Helpful Contribution

Chase Freedom®

Jan 21, 2015
I don't feel important
Helpful to 35 out of 41 people

My credit score stays in the "excellent" range, and I had no problem being approved for this card. I was given a limit of $4000.00 which isn't terrible, but trying to maintain a good utilization ratio on that when you pay for everything with your credit cards is a bit cumbersome. I researched and got the impression that I would just need to wait to get an increase (without requesting and getting a hard pull) so I waited...Over a year later and I have yet to receive an increase while my Amex, Discover, and CapitalOne cards are all at or above $10,000 each. When I call customer service for any reason, they are less than helpful. This basically has the same rewards as my Discover card, but Discover is far better overall. In addition, they constantly send me offers for their other cards like the Slate at VERY good terms. I just don't know what gives. It almost seems like they don't really value me as a customer! Basically...I hate this card...

Activity (3 Total Contributions)

Chase Freedom®

Jan 21, 2015
I don't feel important
Helpful to 35 out of 41 people

My credit score stays in the "excellent" range, and I had no problem being approved for this card. I was given a limit of $4000.00 which isn't terrible, but trying to maintain a good utilization ratio on that when you pay for everything with your credit cards is a bit cumbersome. I researched and got the impression that I would just need to wait to get an increase (without requesting and getting a hard pull) so I waited...Over a year later and I have yet to receive an increase while my Amex, Discover, and CapitalOne cards are all at or above $10,000 each. When I call customer service for any reason, they are less than helpful. This basically has the same rewards as my Discover card, but Discover is far better overall. In addition, they constantly send me offers for their other cards like the Slate at VERY good terms. I just don't know what gives. It almost seems like they don't really value me as a customer! Basically...I hate this card...

Blue Cash Preferred® Card from American Express

Jan 19, 2015
It's like a money machine!
Helpful to 15 out of 19 people

I save so much money with this card on my groceries and gas (when one of my other cards doens't have gas at 5%). On top of that, they are always having extra deals/savings that you just add to the card and when you use the card it redeems. I've probably made an extra $60-$70 over the last few months from just those extra deals alone. Some work out to FREE purchases, like spend $5 get $5...Awesome card!

What credit bureau does TD Bank pull?

Mar 27, 2015
Helpful to 1 out of 1 people

I just spoke to someone in a local branch here in South Carolina and she indicated that they pull from Experian. Though I have seen Transunion mentioned a few times on search results. I am considering the same card. I know this post is old, but I figured I would reply in case someone else discovered this question.