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!!!
I actually just applied for this credit card online and only used the last 4 numbers of my social security. I was approved for a limit starting at $300.00. Now you may be asking how did you get approved usuing the only last 4 numbers of your SSN. This card is now owned by Comenity Bank not Citi. Comenity Bank allows on some of there store cards to only use the last 4 of your SSN. for the first 6 numbers you use 0. They do a HARD PULL but after a month to 3 months the Hard Pull FALLS OFF your credit report. Yes I am speaking the truth all!
Comenity Banks now ownes a majority of the store credit cards and one of the best companies other then Capital One I have worked with. I have a Credit score of about 603 and working on re building my credit.