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Sam and Ben

Getting a US credit card (For TD Canada Visa holders)

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Just wanted to let everyone know a little tidbit of information I learned today that will hopefully come in handy (for you and me!).

TD Bank (US) can pull and use your Canadian credit history using your TD Canada visa to apply for a card here in the US.

I've been trying everything (short of a secured bank card) to get approved for a credit card - department stores, banks, gas cards. Nobody wants me, haha. American Express, for whatever reason, sees my account as being activated in June of last year, so I haven't hit the full twelve months they require to transfer it. So I figured I'd give TD Bank a call and see if they could do anything for me.

The woman at their credit card center said they they can pull our Canadian history and apply for a US card based on it if we go into a branch and speak with one of their reps. Well that didn't work for me, as Orlando isn't close to any branches. So she suggested I call up my nearest branch and see if I couldn't persuade them to do it over the phone. Called them up, explained my difficulties and he was more than happy to take down all of my info and send it their the powers that be to pull my credit history and see if they can approve me.

What I needed:

-TD Canada Visa account details (account holder name, SIN, address listed on account, account number and card type)

-Current details (married name, US address, SSN, employment details [didn't have any], phone number)

I was told that, in 5-10 days I can call the credit card center (first place I called) and see if I've been approved. If they require any other information, they will call me. Hopefully it'll work out for the best, as it's truly, truly frustrating to know that I've got nothing working for my credit score right now.

Should note that, although I used my TD Canada visa, I don't see why it wouldn't be worth a shot to have them pull your credit history regardless and apply like that.

Anyhow, just thought I'd share.


01/08/2010 - Applied for SSN in maiden name.

01/09/2010 - Married! Officially a Missis.

01/19/2010 - Received SSN in mail.

02/10/2010 - Sent I-485/I-131/I-765 to Chicago.

02/19/2010 - NOA dates for all applications.

02/22/2010 - Received NOAs in mail.

02/23/2010 - Applied for SSN for married name.

03/04/2010 - Applied for Florida DL in married name.

03/09/2010 - Biometrics appointment.

04/18/2010 - AP received.

04/23/2010 - EAD approved.

04/27/2010 - AOS Interview at Orlando USCIS (decision pending).

04/28/2010 - Card production ordered!

05/03/2010 - EAD received.

05/03/2010 - Welcome letter received.

05/28/2010 - Green Card received in mail.

01/26/2012 - Mailed RoC packet to VSC.

01/30/2012 - NOA date on application.

02/01/2012 - Cheque cashed.

02/05/2012 - Received NOA in mail.

02/10/2012 - Touch.

02/24/2012 - ASC Appointment Notice dated.

02/27/2012 - ASC Appointment Notice received.

03/23/2012 - Biometrics appointment.

09/20/2012 - Touch. Card Production ordered!

09/21/2012 - Touch.

09/24/2012 - Touch. Card mailed.

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Filed: K-1 Visa Country: Canada
Timeline

Good Info!


12-14-2009 I-129F Petition sent

12-21-2009 Petition received CSC

12-24-2009 NOA1

12-28-2009 "touched"

12-30-2009 Check cashed

04-20-2010 NOA2 approved!

04-24-2010 NOA2 received hard copy

04-26-2010 NVC received petition

04-28-2010 NVC sent case to Montreal consulate?

05-07-2010 Montreal transferred case to Vancouver consulate!

05-18-2010 Vancouver received case and sent out Packet 3

05-21-2010 Received Packet 3 letter from Vancouver consulate

05-25-2010 Faxed Packet 3 to Vancouver consulate

05-31-2010 Received Packet 4 Vancouver consulate interview letter

06-09-2010 Medical exam appointment

06-23-2010 Vancouver consulate interview

08-24-2010 Filed for AOS, EAD and AP

08-31-2010 NOA for AOS, EAD and AP

09-30-2010 Appointment for Biometrics

12-06-2010 AOS Appointment in Sacramento

12-10-2010 AOS Approved!

12-20-2010 Recieved Green Card

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Filed: K-1 Visa Country: Canada
Timeline

Have you tried applying for the Capital One card? I was denied on my first try and then a couple months later they sent me a letter telling me to re-apply and that I'd be approved... so I did and I got a card a few months later. I don't know if it's just been dumb luck or what, but Chase offered me a Visa with no interest for 6 months shortly after I got my Capital One card.... Chase is my bank here. When I went to go open up a savings account they approved me on the spot. The guy at the bank said it might have been because of the regular direct deposits and joint account I have with my husband... but who knows!

The TD Card would be good though. Hope it works out.


Removing Conditions

Sent package to VSC - 8/12/11

NOA1 - 8/16/11

Biometrics - 9/14/11

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Filed: Citizen (apr) Country: Canada
Timeline

Good advice about the TD Visa card and account information.


“...Isn't it splendid to think of all the things there are to find out about? It just makes me feel glad to be alive--it's such an interesting world. It wouldn't be half so interesting if we knew all about everything, would it? There'd be no scope for imagination then, would there?”

. Lucy Maude Montgomery, Anne of Green Gables

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Another Member of the VJ Fluffy Kitty Posse!

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Have you tried applying for the Capital One card? I was denied on my first try and then a couple months later they sent me a letter telling me to re-apply and that I'd be approved... so I did and I got a card a few months later. I don't know if it's just been dumb luck or what, but Chase offered me a Visa with no interest for 6 months shortly after I got my Capital One card.... Chase is my bank here. When I went to go open up a savings account they approved me on the spot. The guy at the bank said it might have been because of the regular direct deposits and joint account I have with my husband... but who knows!

The TD Card would be good though. Hope it works out.

Capital One denied me.

Chase is our bank as well. Our banker told us that I could apply for one of their cards as soon as another card had approved me and I accumulated some spending on it.


01/08/2010 - Applied for SSN in maiden name.

01/09/2010 - Married! Officially a Missis.

01/19/2010 - Received SSN in mail.

02/10/2010 - Sent I-485/I-131/I-765 to Chicago.

02/19/2010 - NOA dates for all applications.

02/22/2010 - Received NOAs in mail.

02/23/2010 - Applied for SSN for married name.

03/04/2010 - Applied for Florida DL in married name.

03/09/2010 - Biometrics appointment.

04/18/2010 - AP received.

04/23/2010 - EAD approved.

04/27/2010 - AOS Interview at Orlando USCIS (decision pending).

04/28/2010 - Card production ordered!

05/03/2010 - EAD received.

05/03/2010 - Welcome letter received.

05/28/2010 - Green Card received in mail.

01/26/2012 - Mailed RoC packet to VSC.

01/30/2012 - NOA date on application.

02/01/2012 - Cheque cashed.

02/05/2012 - Received NOA in mail.

02/10/2012 - Touch.

02/24/2012 - ASC Appointment Notice dated.

02/27/2012 - ASC Appointment Notice received.

03/23/2012 - Biometrics appointment.

09/20/2012 - Touch. Card Production ordered!

09/21/2012 - Touch.

09/24/2012 - Touch. Card mailed.

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Filed: Citizen (apr) Country: Canada
Timeline

Have you tried applying for the Capital One card? I was denied on my first try and then a couple months later they sent me a letter telling me to re-apply and that I'd be approved... so I did and I got a card a few months later. I don't know if it's just been dumb luck or what, but Chase offered me a Visa with no interest for 6 months shortly after I got my Capital One card.... Chase is my bank here. When I went to go open up a savings account they approved me on the spot. The guy at the bank said it might have been because of the regular direct deposits and joint account I have with my husband... but who knows!

The TD Card would be good though. Hope it works out.

I've been getting letters from Capital One telling me to apply for a card. I think I've got 4 letters from them in the last 3 weeks, its ridiculous. I didn't apply before because I didn't have any income to report, but I'm thinking maybe I should try now just to see where it goes. Worse case scenario they just deny it, right?

I don't really need it, since I have several cards my husband added me on, but it would be nice to build my credit a little better. We're thinking about buying a new car sometime in the next few months, and it would be nice to be able to get it in my name.

Do you need to be a TD Canada customer to get the TD US card Sam? I've never had TD, so I'm not sure if that would be an option for me.

I was actually able to get a Victoria's Secret charge card a few months after being in the US without any credit to speak of or any incoming income. It's only good in their stores, but if any of you spend a lot of money at VS it might be an option!

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I've been getting letters from Capital One telling me to apply for a card. I think I've got 4 letters from them in the last 3 weeks, its ridiculous. I didn't apply before because I didn't have any income to report, but I'm thinking maybe I should try now just to see where it goes. Worse case scenario they just deny it, right?

I don't really need it, since I have several cards my husband added me on, but it would be nice to build my credit a little better. We're thinking about buying a new car sometime in the next few months, and it would be nice to be able to get it in my name.

Do you need to be a TD Canada customer to get the TD US card Sam? I've never had TD, so I'm not sure if that would be an option for me.

I was actually able to get a Victoria's Secret charge card a few months after being in the US without any credit to speak of or any incoming income. It's only good in their stores, but if any of you spend a lot of money at VS it might be an option!

If only VS purchases didn't fall under the "luxury" items I'm trying to steer hubby from blowing cash on right now. :lol:

I don't know if you have to be a customer of theirs or not. They might be more apt to help if you are, but you'd think if they're able to tap into the CAN credit bureaus, they can do so regardless.


01/08/2010 - Applied for SSN in maiden name.

01/09/2010 - Married! Officially a Missis.

01/19/2010 - Received SSN in mail.

02/10/2010 - Sent I-485/I-131/I-765 to Chicago.

02/19/2010 - NOA dates for all applications.

02/22/2010 - Received NOAs in mail.

02/23/2010 - Applied for SSN for married name.

03/04/2010 - Applied for Florida DL in married name.

03/09/2010 - Biometrics appointment.

04/18/2010 - AP received.

04/23/2010 - EAD approved.

04/27/2010 - AOS Interview at Orlando USCIS (decision pending).

04/28/2010 - Card production ordered!

05/03/2010 - EAD received.

05/03/2010 - Welcome letter received.

05/28/2010 - Green Card received in mail.

01/26/2012 - Mailed RoC packet to VSC.

01/30/2012 - NOA date on application.

02/01/2012 - Cheque cashed.

02/05/2012 - Received NOA in mail.

02/10/2012 - Touch.

02/24/2012 - ASC Appointment Notice dated.

02/27/2012 - ASC Appointment Notice received.

03/23/2012 - Biometrics appointment.

09/20/2012 - Touch. Card Production ordered!

09/21/2012 - Touch.

09/24/2012 - Touch. Card mailed.

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Filed: AOS (pnd) Country: Canada
Timeline

I got a US American Express card when I was in US on a TN visa. It was really easy, but I guess I had met the 12 month criteria you referred to @Sam and Ben. I literally called American Express, asked for a US card, they got my credit history from my Canadian Amex, confirmed some details and I had a card mailed to me with the same credit limit amount as my Canadian Amex. Also but the Blue Sky Amex which has no fees....


08/31/2010 POE09/25/2010 Civil WeddingAOS Timeline10/11/2010 AOS Package Sent10/20/2010 NOA's for AOS/EAD/AP11/12/2010 Biometrics Appointment1/4/2011 Received EAD and AP documents!1/11/2011 AOS Interview - APPROVED!!1/15/2011 - Received Approval notice for I-485, Green card on its way!!1/21/2011 - Received Green Card!!Removal of Conditions11/1/2012-Sent Application to California Service Center ..... N-40007/29/2016 - Received date at Phoenix lockbox 8/01/2016 - N-400 NOA<p>xx/xx/xxxx - BiometricsOnto the next step!!

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

Sam&Ben, thanks for that info! My husband still banks with TD and has a credit card with them in Canada. He really wants to get a US card so there will be less fees and that is really invaluable information for him.

Thank you so much for sharing!


6/27/2009 Married after being together almost 2 years

USCIS Journey

I-130 package sent - 8/5/2009

I-130 package received - 8/9/2009

Check cleared my bank - 8/17/2009

NOA1 - 8/12/2009

NOA2 - 9/11/2009

NOA2 hard copy received - 9/18/2009

NVC Journey

NVC Received : 9/28/2009

Received DS-3032 / I-864 Bill : 10/2/2009

Pay I-864 Bill : 10/5/2009

Receive I-864 Package : 10/7/2009

Return Completed I-864 : 10/9/2009

Return Completed DS-3032 : 10/6/2009

Receive IV Bill : 10/20/2009

Pay IV Bill : 10/22/2009

Return Completed DS-230 Package : 10/26/2009

Log-In Fail: 11/6/2009

Case Completed at NVC : 11/9/2009

Received Interview date: 1/22/2010

Medical Exam: 2/23/2010 at 1:30 p.m. - yep he went for the latest possible appointment......

Interview date: 3/1/2010 APPROVED!!!!!

POE: 3/8/2010 - Thousand Islands

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

Just wanted to let everyone know a little tidbit of information I learned today that will hopefully come in handy (for you and me!).

TD Bank (US) can pull and use your Canadian credit history using your TD Canada visa to apply for a card here in the US.

I've been trying everything (short of a secured bank card) to get approved for a credit card - department stores, banks, gas cards. Nobody wants me, haha. American Express, for whatever reason, sees my account as being activated in June of last year, so I haven't hit the full twelve months they require to transfer it. So I figured I'd give TD Bank a call and see if they could do anything for me.

The woman at their credit card center said they they can pull our Canadian history and apply for a US card based on it if we go into a branch and speak with one of their reps. Well that didn't work for me, as Orlando isn't close to any branches. So she suggested I call up my nearest branch and see if I couldn't persuade them to do it over the phone. Called them up, explained my difficulties and he was more than happy to take down all of my info and send it their the powers that be to pull my credit history and see if they can approve me.

What I needed:

-TD Canada Visa account details (account holder name, SIN, address listed on account, account number and card type)

-Current details (married name, US address, SSN, employment details [didn't have any], phone number)

I was told that, in 5-10 days I can call the credit card center (first place I called) and see if I've been approved. If they require any other information, they will call me. Hopefully it'll work out for the best, as it's truly, truly frustrating to know that I've got nothing working for my credit score right now.

Should note that, although I used my TD Canada visa, I don't see why it wouldn't be worth a shot to have them pull your credit history regardless and apply like that.

Anyhow, just thought I'd share.

I was so excited about this solution since I've been banking with TD 12 years in Canada.Now I've moved to California and wanted to get a credit card with TD here,but just found out that they don't operate in California,most of their locations are in east cost :(


I-130 Journey

04-18-09 - I-130 sent USPS Priority to Chicago Lockbox

04-24-09 - I-130 received by USCS and the first touch

04-27-09 - I-130 NOA1 (California Service Center)

04-27-09 - Check Cashed

08-13-09 - I-130 Received NOA2 e-mail

08-17-09 - I-130 Received NOA2 Hardcopy (I-797)

NVC Journey

08-17-09 - NVC Received/Case number assigned

09-08-09 - NVC sent the first mail to the petitioner

09-08-09 - DS-3032 / AOS Bill Generated

09-08-09 - E-mailed DS-3032

09-09-09 - Mailed DS-3032

09-09-09 - Pay AOS Bill (Online)

09-10-09 - AOS Bill Show as PAID

09-10-09 - IV Bill Generated

09-11-09 - Paid IV Bill

09-11-09 - NVC accepted DS-3032(received an e-mail)

09-12-09 - Mailed I-864 Package

09-14-09 - IV Bill Show as PAID

09-15-09 - I-864 received at NVC

09-16-09 - Mailed IV Package(DS-230)

09-17-09 - DS-230 package delivered to NVC(confirmed via fed-ex)

09-21-09 - NVC received the DS-230

09-23-09 - NVC sent an e-mail asking for DS-230 package

09-24-09 - NVC confirmed that the DS-230 package received

09-26-09 - Login Failed!!!

09-28-09 - Case Completed at NVC --------------------------------------------------NVC stage is completed in 38 days

01-27-10 - Medical

02-05-10 - Interview Date

04-14-10 - POE

Done with USCIS until Apr 14,2012 (Removal of Conditions)

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My current card is TD Visa Canada, so this is definitely good to know for when I move. Thanks! :)


Our Journey

The Beginning

Early 2009 -- Met on WoW

September 2009 -- Fell in love

May 14 2010 - Officially engaged! smile.png

K1 Journey

September 17, 2010 - NOA1

March 14, 2011 - RFE

April 18, 2011 - NOA2

August 12, 2011 - Interview - Approved!

August 20, 2011 - POE

September 10, 2011 - Married!

AOS Journey

November 17, 2011 - AOS packet sent

November 21, 2011 - NOA1

December 14, 2011 - Case transferred

December 28, 2011 - Biometrics appt

January 18, 2012 - EAD/AP approved! Card production ordered!

January 28, 2012 - EAD/AP card in hand

July 2, 2012 - AOS approved! Card production ordered!

July 7, 2012 - GC in hand

Removal of Conitions

April 29, 2014 - Packet sent

May 6, 2014 - NOA1

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Filed: IR-1/CR-1 Visa Country: Canada
Timeline

Will this allow you to just get a Credit Card in US or does it also allow you to get your credit history transferred as well?

I was able to apply and get an unsecured Credit Card from my bank, Wells Fargo, as soon as I got my SSN. My banker did say that they denied it initially but he was able to talk them out and get it approved.

I banked with TD back in Canada for 10 years.


Service Center : California Service Center

Consulate : Montreal, Canada

I-130 Journey

I-130 Sent : 2009-06-09

I-130 NOA1 : 2009-06-12

I-130 Approved : 2009-08-26

NOA2 Hardcopy : 2009-08-31

NVC Journey

NVC Received : 2009-09-08

Received DS-3032 / I-864 Bill : 2009-09-14

Pay I-864 Bill 2009-09-14

Return Completed DS-3032 : 2009-09-15

Return Completed I-864 : 2009-09-17

Return Completed DS-230 : 2009-10-21

Login Failed : 2009-11-02

Case Complete: 2009-11-03

Medical: 2010-02-10

Interview: 2010-02-24!!!! Yay!!!! APPROVED

Port of Entry: Blue Water Bridge, Michigan: 2010-03-14

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