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.
I needed a little bit of time to purchase a ring for my now fiancé, I was offered 12 months of 0% financing. WHAT A SCAM! They've added numerous fees and customer services harasses you until you make a payment. Sad thing about it is that the in store experience was great but I guess the sang is true, never judge a book by its cover. WORST CARD EVER. STAY FAR AWAY!