I've had the loan for about 7 months now, i've had no trouble at all.

First the proccese was very easy and i had a person at the branch assigned which made me feel confident.

I got my loan within a day You are allowed to make online payments which is fantastic. 

Just got card. Applied but didn't get decision right away, recieved card in mail with $3000 limit! So far no problems.

I would rank TD Bank and its credit card among the worst in the industry as far as predatory practices go. If you want to put your credit in a death spiral, apply for and gain one of their cards. Be late on a payment (no ten day grace period as with all of my other cards) and you're immdiately hit with a late fee and your credit allowance is immediately reduced...and the interest rate spikes.  They call it a "trigger". Good luck in trying to get them to reduce it.

Look elsewhere.