Quote:
Originally Posted by jeedee
I've probably needed a certified cheque once in 9 years of banking with TD. Why would i need to wait 2 weeks for a certified cheque if i can walk into Scotiabank and get it instantly as well?
I didn't ask for/sign up for the card. TD gave me the card/upgraded my credit card "for free" when i went in to do some simple banking. I also do have a free card from them.
I might just hide my money under my bed since TD requires me to keep X amount of balance (when i could be using the money for better investments than having it sit there doing nothing) or pay a $30 fee for not having the minimum balance
yeah no thanks
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Weigh it out my friend. Nothing wrong with TD. You just need to research a little and make good decisions on what types of card/account you need or want.
They have min chqing account for 3.95/month or wavied at 2000 bal.
Or saving accounts are free lol
Credit card wise. I prefer the travel rewards better then aero pts. Easier to use. Pts for travel $$$ roughly a 1.3% return (it was/is at 1.5% but they nerfed it.. pro-rated now.. most ppl will get 1.3%back instead)
Gotta look at your card perks too
Aeroplan / Travel TD Card
$120
- Travel insurance
- Luggage insuirance
- Car rental insurance
All covered each year
1.3% return. If you spend 1500/month =$234 return yearly. ($100 back minus CC fee)
Tangerine
$0
- 2% cash back on grocery etc
- 1% everything else
1500/month = min $180 return (more since some of it will be at 2%)
Which card is more appealing to you?
Personally. The way I justify my travel card. I drive down to the states a handful of times a year and travel at least once a year.
It helps that I don't need to buy insurance everytime I go to seattle or china etc. Plus I like the shiny black card looks boss LOL