I got one good one. I had a TD visa card years back and long story short, I cancelled it, cut it up etc. (balance was paid). Over a year later, I got an TD visa bill from them with a charge on it for a TD service plan that I "apparently" did not cancel when I cancelled the card. When I call, I was told I would have to pay it and they just re-activated the card so they could put their charge through. It took a bit of fighting over the phone but once I accused them of fraud, they quickly cancelled the charge as well as the card. Anyone have a similar experience with a cancelled card (not just expired)?