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.
Interest is applied almost every three months in large amounts requested insurance off 6 months ago still charging me....and they don't have any good promo reminders because they want to be able to slam you with a large promotional balance....worst card ever going to a local jewelery store from now on
Since the change to Commenity this has been a total disaster. My payment was sent back TWICE, and after the first time I called and asked why and the rep told me to try online payment again. I tried again only to get the same notification days later. Finally a rep told me my bank was not found and that the bank possibly changed my routing and/or account number without knowledge. umm.. no.. So my account is past due and they tried to pin late charges and return fees on me, but didn't tell me the issue. Their solution now is to go in the store each time to make a payment. I tried once more online and it went through no problems. Going to the store is an incovenience when I've never had a problem paying my account online. The customer reps all 6 of them has told me something totally different each time.