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.
Got this card to pay of my fiances wedding ring and had no problems. Until the 12 month promo period hit. I had $218 left to pay on the card until they smacked me with a $365 interest charge. Instead of charging me interest on the $218 they charged me interest on the original purchase price. Called in to ask about it and they said they could do nothing about it. They said if I would have called a week after my promotion ended and paid off the card it would have been no problem. I don't know anyone that checks their bills weekly to ensure they are the correct amount. I would have paid the amount due on the phone then and there but now that I owe close to $600 I now have to pay it month by month AND get charged interest on the new interest charges they added!!!
They have changed their rewards program, their quality of clothes has deteriorated, and now they have sent out a new credit card and eliminated the 5% additional discount credit card users received on purchases.
This retailer is very disappointing and has lost my business.