TD Aeroplan Visa Infinite Cardholder Agreement PDF: A Comprehensive Guide
If you are a TD Aeroplan Visa Infinite cardholder, it is important for you to read and understand the cardholder agreement that governs the use of your card. The TD Aeroplan Visa Infinite Cardholder Agreement PDF contains important information about your card, its benefits, fees, and charges, as well as your responsibilities and liabilities as a cardholder.
In this article, we will provide a comprehensive guide to the TD Aeroplan Visa Infinite Cardholder Agreement PDF, including its key sections, terms, and conditions.
Overview of the TD Aeroplan Visa Infinite Card
The TD Aeroplan Visa Infinite Card is a premium travel credit card that allows you to earn Aeroplan miles, which can be redeemed for flights, hotels, car rentals, and other travel-related purchases. The card also offers a range of travel benefits, including travel insurance, airport lounge access, and concierge services.
Key Sections of the TD Aeroplan Visa Infinite Cardholder Agreement PDF
The TD Aeroplan Visa Infinite Cardholder Agreement PDF is divided into several sections, each of which contains important information about your card and its use. The key sections of the agreement are:
• Introduction: This section provides an overview of the agreement, as well as the terms and conditions that govern the use of your card.
• Definitions: This section defines key terms used throughout the agreement, such as “cardholder,” “account,” “credit limit,” and “Aeroplan miles.”
• Issuance of Card: This section explains how the card is issued and activated, as well as the requirements for using the card.
• Use of Card: This section outlines the rules and restrictions on using the card, including transactions, cash advances, and balance transfers.
• Fees and Charges: This section describes the fees and charges associated with the card, such as annual fees, interest rates, and penalty fees.
• Billing and Payment: This section explains how your billing cycle works, how to make payments, and what happens if you miss a payment.
• Cardholder Liability: This section outlines your responsibilities and liabilities as a cardholder, including reporting lost or stolen cards and unauthorized transactions.
• Termination of Card: This section explains the conditions under which your card may be terminated, and what happens to your Aeroplan miles and account balance in the event of termination.
Key Terms and Conditions of the TD Aeroplan Visa Infinite Cardholder Agreement PDF
In addition to the key sections of the agreement, there are several important terms and conditions that all TD Aeroplan Visa Infinite cardholders should be aware of. Some of the key terms and conditions include:
• Aeroplan miles do not expire as long as you are an active cardholder. However, if your card is terminated, you will forfeit any unused Aeroplan miles.
• The annual fee for the TD Aeroplan Visa Infinite Card is $139, which is waived for the first year. Additional cardholders are subject to a fee of $75 per year.
• The interest rate for purchases and balance transfers on the TD Aeroplan Visa Infinite Card is 19.99%. The interest rate for cash advances is 22.99%.
• Your credit limit is determined by TD Bank based on your credit history, income, and other factors.
• You are responsible for keeping your account up to date and reporting any changes to your personal information, such as your address and phone number.
In summary, the TD Aeroplan Visa Infinite Cardholder Agreement PDF is an important document that all TD Aeroplan Visa Infinite cardholders should read and understand. It contains vital information about your card, its benefits, fees, and charges, as well as your responsibilities and liabilities as a cardholder. By familiarizing yourself with the agreement, you can make the most of your TD Aeroplan Visa Infinite Card and enjoy all of its benefits.