PS'd from TD FCT VI to TD CB VI, didn't ask on the call and the agent didn't mention it either but I assumed the AF would be prorated even though it was FYF as seems to standard with TD. However it hasn't been refunded so maybe TD have closed this loophole? I could call and ask but when you think about it sounds silly; 'Why haven't you refunded me the AF that I never paid in the first place?'. I tried it with CIBC recently and they just said you never paid an AF so why would you be refunded one?

I was able to transfer my TD reward points from my personal card to my biz card. I had actually tried to PS last week but they said they can only transfer if you have at least 10k and I was 200 short so I spent to make up the 10k. When I called and asked the agent told me it wasn't possible to transfer points to a biz card as they didn't have access to the biz cards system. I told them that another agent said I could so I was put on hold and they came back and said they yes they could do it. I think it also needs to be in increments of 10k as I had about 10.2k and the 200 were lost.