QUOTE (terri @ Oct 31 2010, 08:53 AM) howard,
I went in in person and talked to them. I think it may be easier to get a "yes" in person unless you have a relationship with your branch manager. I also should have mentioned that I have 2 bank accounts, a credit card and I`ve been doing business with them for over 25 yrs. I think that`s longer than my present bank manager`s actually been alive.
I don`t know if it helps to mention that they are lowering the rate for "others" and ask to find out why you don`t qualify. "no" is not a good enough answer when others are getting "yes", if they are going to say "no", at least have them explain why so that you address those reasons.
good luck,
Terri
Terri when is the next time you`re in Beamsville??
I went into the branch in person today and was informed by the manager that she had talked to her manager who explained to me they wouldn`t even consider lowering the HELOC rate unless the client had minimum of $400K in assetts at TD.
So either its your good looks and charm or you`ve got plenty of cookies stored at TD (or both)