I just recently received this card when I purchased a ring to pay off in one year. I typically mail payments out 7 days in advance and well above the minimum. My first payment was due on July 4th! So needless to say I have been now with 2 late payments because of how they process the payments. Sending out 7 days in advance is enough time for a company with integrity. Not for TD Retail. I recently mailed 3 items together including the Fred Meyer payment. Both of the others came in plenty of time. One went a little farther from MI to AZ compared to MI to FLA for the Meyer card. Save your money and pay in cash or use a credit card that you have confidence.
Don't get it. I've had and have alot of cards. This is the worst by far. They hire the worst customer service reps. It feels like they are stealing from you. They call you and try to tell you you need them, and talk down to you. Here is their number. 913 312 5172. I think mobsters are perhaps better sharks. That's what they are - sharks.
i have a VS card with comenity bank and have not had a problem with them. I like to use my cards as "same as cash" so i pay everything off as soon as its posted. my average Credit Score is around 749 and i got approved for $1000 which is way more than i need to spend in a shopping trip at a store.