![]() ![]() The TD FlexPay Credit Card is geared to those who occasionally find themselves cash-strapped and need a little wiggle room to get caught up. ![]() Automatically get your first late fee refunded each year (note that a missed payment may impact your credit score).Option to schedule a Skip a Payment once a year starting six months after account opening (you will accrue interest during this time).The information related to the TD FlexPay Credit Card has been collected by Business Insider and has not been reviewed by the issuer. ![]() You'll only come out ahead by paying a fixed monthly fee in lieu of interest if you carry a balance that's close to your credit limit. However, if you're the type of person who pays off their credit card in full each month or carries just a small balance, this is not the card for you. And not having to calculate credit card interest keeps things super simple. Having a predictable, fixed payment amount each month is handy if you find it hard to stick to a budget or have fluctuations in your income. $2,000 credit limit: $20 monthly fee and $70 minimum monthly payment (includes the monthly fee).$1,000 credit limit: $10 monthly fee and $45 minimum monthly payment (includes the monthly fee).The credit lines available aren't huge, however. And you won't pay foreign transaction fees, cash advance fees, late fees, or balance transfer fees either - just a single monthly fee. Instead of being charged interest, you'll pay a flat monthly fee for your credit line and have a fixed minimum payment amount. The TD Clear is effectively a subscription-based credit card. $20 monthly fee for a $2,000 credit limit.$10 monthly fee for a $1,000 credit limit.The information related to the TD Clear Card has been collected by Business Insider and has not been reviewed by the issuer. ![]()
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