Credit Card Installment Plans| TD Payment Plans
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\r\nTD Payment Plans are currently only available to residents of a province or territory in Canada other than Quebec.
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\r\nYour Account balance needs to be equal to or greater than the eligible transaction amount to be eligible for a Payment Plan.
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\r\nFor example:\r\nYou currently have a $0 Account balance on your credit card and make a purchase of $500, the purchase would display under eligible transactions on EasyWeb or the TD App.\r\nIn a separate scenario, your credit card Account balance is $0 and you have a purchase of $500 posted to your Account. You decide to make a payment of $100 to your Account. This brings your Account balance to $400 and the purchase will not appear as an eligible transaction for a Payment Plan as your Account no longer meets the eligibility criteria. This is because your Account balance is $400 and is not equal to or greater than the $500 purchase amount.\r\n"}}" id="text-d4e058d474" class="cmp-text"> If you’re eligible for a TD Payment Plan, you’ll see a Payment Plan offer in your account on EasyWeb or on the TD App. Your credit card account can have up to 25 active TD Payment Plans at one time.
TD Payment Plans are currently only available to residents of a province or territory in Canada other than Quebec.
Your Account balance needs to be equal to or greater than the eligible transaction amount to be eligible for a Payment Plan.
For example: You currently have a $0 Account balance on your credit card and make a purchase of $500, the purchase would display under eligible transactions on EasyWeb or the TD App. In a separate scenario, your credit card Account balance is $0 and you have a purchase of $500 posted to your Account. You decide to make a payment of $100 to your Account. This brings your Account balance to $400 and the purchase will not appear as an eligible transaction for a Payment Plan as your Account no longer meets the eligibility criteria. This is because your Account balance is $400 and is not equal to or greater than the $500 purchase amount. Are all purchases eligible for a TD Payment Plan? No, not all purchases are eligible3. For a purchase to be eligible, it must be made with a personal TD Credit Card and amount to $100 or more. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Cash advances, other cash-like transactions, and service fees are also not eligible. Please check your account on EasyWeb or TD App to see if you have eligible transactions.\r\n"}}" id="text-f192689d19" class="cmp-text"> No, not all purchases are eligible3. For a purchase to be eligible, it must be made with a personal TD Credit Card and amount to $100 or more. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Cash advances, other cash-like transactions, and service fees are also not eligible. Please check your account on EasyWeb or TD App to see if you have eligible transactions. Does eligibility depend on which TD credit card I have? Business credit cards are not eligible. Purchases made on TD cards with an interest rate less than 8.99% are also not eligible.\r\n"}}" id="text-b7649842fd" class="cmp-text"> Business credit cards are not eligible. Purchases made on TD cards with an interest rate less than 8.99% are also not eligible. Can I have more than one TD Payment Plan? Your credit card account can have up to 25 active TD Payment Plans at one time. However, transactions cannot be combined. If offered and accepted, each eligible transaction will be put in its own TD Payment Plan.\r\n"}}" id="text-cfddf03db6" class="cmp-text"> Your credit card account can have up to 25 active TD Payment Plans at one time. However, transactions cannot be combined. If offered and accepted, each eligible transaction will be put in its own TD Payment Plan. Can I set up a TD Payment Plan on an Additional Cardholder's purchase? Yes, you can convert eligible purchases from an Additional Cardholder's credit card to a TD Payment Plan. However, only the primary cardholder can set-up a TD Payment Plan.\r\n"}}" id="text-3b36da4d19" class="cmp-text"> Yes, you can convert eligible purchases from an Additional Cardholder's credit card to a TD Payment Plan. However, only the primary cardholder can set-up a TD Payment Plan. Plan setup and monitoring\r\n"}}" id="text-6b6d9dfa62" class="cmp-text"> Plan setup and monitoring Do I need to apply for a TD Payment Plan? Does it affect my credit score? No, a TD Payment Plan is a new feature available on eligible TD credit card purchases. Setting up a TD Payment Plan will not have any impact on your credit score, as long as you pay your minimum payment on time.\r\n"}}" id="text-965d9e9899" class="cmp-text"> No, a TD Payment Plan is a new feature available on eligible TD credit card purchases. Setting up a TD Payment Plan will not have any impact on your credit score, as long as you pay your minimum payment on time. Once active, where can I review details of my TD Payment Plans? Details can be found in several places:
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\r\n\r\n\r\nIn the Terms & Conditions applicable to your TD Payment Plan\r\nIn the TD Payment Plans section of EasyWeb\r\nOn your credit card statement each month\r\n\r\n"}}" id="text-ac7e08b68b" class="cmp-text"> Details can be found in several places:
In the Terms & Conditions applicable to your TD Payment Plan In the TD Payment Plans section of EasyWeb On your credit card statement each month How do I calculate the fee for my TD Payment Plan? The fee is calculated by multiplying the full purchase transaction amount by the fee percentage. The applicable Payment Plan fee will then be added to the Payment Plan balance.
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\r\nFor example:
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\r\nYou recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4% and a Payment Plan Annual Interest Rate of 0%.
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\r\nHere’s how you would calculate the fee for your TD Payment Plan:
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\r\n\r\n\r\nPayment Plan Fee Amount = $600 X 4% = $24\r\n\r\n"}}" id="text-d71ba4c4fd" class="cmp-text"> The fee is calculated by multiplying the full purchase transaction amount by the fee percentage. The applicable Payment Plan fee will then be added to the Payment Plan balance.
For example:
You recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4% and a Payment Plan Annual Interest Rate of 0%.
Here’s how you would calculate the fee for your TD Payment Plan:
Payment Plan Fee Amount = $600 X 4% = $24 How do I calculate my Monthly Payment Plan Amount for my TD Payment Plan? The Monthly Payment Plan Amount is calculated by taking the Total Payment Plan amount (including fee) and Plan Total Interest, if any) and dividing it by the number of months for the plan.
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\r\nFor example:
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\r\nYou recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4%.
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\r\nHere’s the breakdown of your Monthly Payment Plan Amount:
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\r\n\r\n\r\nPayment Plan Fee Amount = $600 X 4% = $24\r\nPayment Plan balance = $624\r\nMonthly Payment Plan Amount (including fee) = ($600 + $24) / 6 months = $104\r\n\r\n"}}" id="text-8ef9cce004" class="cmp-text"> The Monthly Payment Plan Amount is calculated by taking the Total Payment Plan amount (including fee) and Plan Total Interest, if any) and dividing it by the number of months for the plan.
For example:
You recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4%.
Here’s the breakdown of your Monthly Payment Plan Amount:
Payment Plan Fee Amount = $600 X 4% = $24 Payment Plan balance = $624 Monthly Payment Plan Amount (including fee) = ($600 + $24) / 6 months = $104 Can I change my TD Payment Plan after accepting an offer? No, you cannot make changes to your Payment Plan terms once it is set up. However, you can close the Payment Plan through EasyWeb, if it no longer suits your needs. Once cancelled, a TD Payment Plan for that purchase cannot be reinstated, and any unpaid Payment Plan balances will become subject to your Account's annual interest rate for purchases.\r\n"}}" id="text-9e0f9c61f2" class="cmp-text"> No, you cannot make changes to your Payment Plan terms once it is set up. However, you can close the Payment Plan through EasyWeb, if it no longer suits your needs. Once cancelled, a TD Payment Plan for that purchase cannot be reinstated, and any unpaid Payment Plan balances will become subject to your Account's annual interest rate for purchases. Does a Payment Plan increase the credit limit on my account? No, the credit limit on your Account does not change. Only purchases made using your existing credit limit can be eligible for a Payment Plan. Amounts outstanding on your Payment Plan reduce your available credit on your account.\r\n"}}" id="text-a9b3f1c721" class="cmp-text"> No, the credit limit on your Account does not change. Only purchases made using your existing credit limit can be eligible for a Payment Plan. Amounts outstanding on your Payment Plan reduce your available credit on your account. If I don't pay my Monthly Payment Plan Amount in full, what will happen? If you do not pay your Monthly Payment Plan Amount in full in a particular month, any unpaid portion of your Monthly Payment Plan Amount will become subject to your Account's annual interest rate for purchases beginning the first day of the Statement Period after the missed Minimum Payment.
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\r\nIf you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans.\r\n"}}" id="text-6c98c2c283" class="cmp-text"> If you do not pay your Monthly Payment Plan Amount in full in a particular month, any unpaid portion of your Monthly Payment Plan Amount will become subject to your Account's annual interest rate for purchases beginning the first day of the Statement Period after the missed Minimum Payment.
If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans. If I have a TD Payment Plan, what happens if I do not pay my Required Payment? If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans.\r\n"}}" id="text-4ddcae8376" class="cmp-text"> If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans. What if I return or dispute a purchase that I put into a TD Payment Plan? If a purchase is put into a Payment Plan and you subsequently return or dispute the purchase for a refund, this will not result in the automatic closure of the Payment Plan or reduce the Monthly Payment Plan Amount. If you do wish to close a Payment Plan after returning or disputing a purchase for a refund, you may close the Payment Plan through EasyWeb.\r\n"}}" id="text-9a1d41bfb5" class="cmp-text"> If a purchase is put into a Payment Plan and you subsequently return or dispute the purchase for a refund, this will not result in the automatic closure of the Payment Plan or reduce the Monthly Payment Plan Amount. If you do wish to close a Payment Plan after returning or disputing a purchase for a refund, you may close the Payment Plan through EasyWeb. How does a TD Payment Plan impact the Grace Period on my Account? You don't have to repay your Payment Plan balance in full to take advantage of the grace period for new purchases made in a Statement Period that have not been put in a Payment Plan. Here's what you have to pay on your account by your Payment Due Date in order to avoid interest on new purchases made during a Statement Period, excluding purchases that you have put into a Payment Plan:\r\n \r\n\r\nThe New Balance shown on your monthly statement minus your Total Payment Plans Balance(s) that are shown on that same monthly statement, plus\r\nYour Monthly Payment Plan Amount(s) that are due on your monthly statement.\r\n\r\n \r\nWe call this the "Grace Period Payment Amount". Starting the first statement we provide following the creation of a Payment Plan, we will show you the exact dollar amount you need to pay for each statement so you can benefit from the grace period on your Account.\r\n"}}" id="text-7f2781e76a" class="cmp-text"> You don't have to repay your Payment Plan balance in full to take advantage of the grace period for new purchases made in a Statement Period that have not been put in a Payment Plan. Here's what you have to pay on your account by your Payment Due Date in order to avoid interest on new purchases made during a Statement Period, excluding purchases that you have put into a Payment Plan: The New Balance shown on your monthly statement minus your Total Payment Plans Balance(s) that are shown on that same monthly statement, plus Your Monthly Payment Plan Amount(s) that are due on your monthly statement. We call this the "Grace Period Payment Amount". Starting the first statement we provide following the creation of a Payment Plan, we will show you the exact dollar amount you need to pay for each statement so you can benefit from the grace period on your Account. \r\n"Grace Period Payment Amount" is the amount you must pay by your Payment Due Date in order to avoid interest on new purchases made during the applicable Statement Period (excluding new purchases that have been put into a Payment Plan). The Grace Period Payment Amount for the applicable Statement Period will be shown on your Account statement starting the first statement we provide following the creation of a Payment Plan, and will be calculated as follows:\r\nNew Balance on your monthly statement,\r\nminus your Total Payment Plans balance that is shown on your monthly statement,\r\nplus your Total Monthly Payment Plan Amount(s) that are due on your monthly statement.\r\nHowever, if you move a purchase that has already appeared on your monthly statement into a TD Payment Plan prior to the Payment Due Date of that monthly statement, the Grace Period Payment Amount will be:\r\nIf you do not have an active Payment Plan on your current monthly statement: The New Balance shown on that monthly statement minus the purchase amount(s) converted into a Payment Plan;\r\nIf you have active Payment Plan(s) on your current monthly statement: The Grace Period Payment Amount will be the Grace Period Payment Amount figure that is already shown on your monthly statement minus the new purchase amount(s) moved into a Payment Plan. For greater certainty, after you convert the new purchase into a new TD Payment Plan, the amount of the new TD Payment Plan will not be included in the TD Payment Plans balance that is used to calculate the Grace Period Payment Amount that is due by the Payment Due Date of that monthly statement.\r\n\r\n"}}" id="text-f19da672e5" class="cmp-text"> "Grace Period Payment Amount" is the amount you must pay by your Payment Due Date in order to avoid interest on new purchases made during the applicable Statement Period (excluding new purchases that have been put into a Payment Plan). The Grace Period Payment Amount for the applicable Statement Period will be shown on your Account statement starting the first statement we provide following the creation of a Payment Plan, and will be calculated as follows: New Balance on your monthly statement, minus your Total Payment Plans balance that is shown on your monthly statement, plus your Total Monthly Payment Plan Amount(s) that are due on your monthly statement. However, if you move a purchase that has already appeared on your monthly statement into a TD Payment Plan prior to the Payment Due Date of that monthly statement, the Grace Period Payment Amount will be: If you do not have an active Payment Plan on your current monthly statement: The New Balance shown on that monthly statement minus the purchase amount(s) converted into a Payment Plan; If you have active Payment Plan(s) on your current monthly statement: The Grace Period Payment Amount will be the Grace Period Payment Amount figure that is already shown on your monthly statement minus the new purchase amount(s) moved into a Payment Plan. For greater certainty, after you convert the new purchase into a new TD Payment Plan, the amount of the new TD Payment Plan will not be included in the TD Payment Plans balance that is used to calculate the Grace Period Payment Amount that is due by the Payment Due Date of that monthly statement. How does a TD Payment Plan impact the payment information on my Account? \r\nNew Balance is the total amount owing on your credit card as of the statement closing date. This will include both balances on your Account that are in a Payment Plan and balances on your Account that are not in a Payment Plan.
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\r\nMinimum Payment is the amount you need to pay by the Payment Due Date.
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\r\nPayment Due Date is the date your Minimum Payment is due and is shown on the Account statement.\r\n\r\n"}}" id="text-5512d2b27e" class="cmp-text"> New Balance is the total amount owing on your credit card as of the statement closing date. This will include both balances on your Account that are in a Payment Plan and balances on your Account that are not in a Payment Plan.
Minimum Payment is the amount you need to pay by the Payment Due Date.
Payment Due Date is the date your Minimum Payment is due and is shown on the Account statement. Where can I locate my active TD Payment Plan(s) on my statement? What information does it provide? \r\nThis section appears if you have an active TD Payment Plan during the Statement Period of that Statement. It provides important information about the TD Payment Plans summarized on your Statement.
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\r\nAnnual Interest Rate is the interest rate applicable to the Payment Plan.
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\r\nPayment Plan Balance is the outstanding balance on the TD Payment Plan as of the Statement Closing Date.
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\r\nStart Date is the date the TD Payment Plan was created.
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\r\nProjected End Date is the date the TD Payment Plan is set to expire.
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\r\nPlan Interest Charges is the interest charged to your account for the TD Payment Plan during the Statement Period.
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\r\nMonthly Plan Payment Amounts is the amount that is due to be paid on the TD Payment Plan for the Statement Period. It is included in the Minimum Payment shown at the top of your monthly statement.\r\n\r\n"}}" id="text-6ca6c3ea51" class="cmp-text"> This section appears if you have an active TD Payment Plan during the Statement Period of that Statement. It provides important information about the TD Payment Plans summarized on your Statement.
Annual Interest Rate is the interest rate applicable to the Payment Plan.
Payment Plan Balance is the outstanding balance on the TD Payment Plan as of the Statement Closing Date.
Start Date is the date the TD Payment Plan was created.
Projected End Date is the date the TD Payment Plan is set to expire.
Plan Interest Charges is the interest charged to your account for the TD Payment Plan during the Statement Period.
Monthly Plan Payment Amounts is the amount that is due to be paid on the TD Payment Plan for the Statement Period. It is included in the Minimum Payment shown at the top of your monthly statement. Plan closure\r\n"}}" id="text-73d735b873" class="cmp-text"> Plan closure How do I close a TD Payment Plan? You can close a TD Payment Plan at any time. All you need to do is log into EasyWeb, select the plan you wish to close in the Payment Plans section, and click “Close the plan”.
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\r\nIf your TD Payment Plans are closed, any remaining balance of the Payment Plan will become subject to your Account's then-current interest rate for Purchases.\r\n"}}" id="text-4782be4a34" class="cmp-text"> You can close a TD Payment Plan at any time. All you need to do is log into EasyWeb, select the plan you wish to close in the Payment Plans section, and click “Close the plan”.
If your TD Payment Plans are closed, any remaining balance of the Payment Plan will become subject to your Account's then-current interest rate for Purchases. Why were my TD Payment Plans closed? TD has the right to close your Payment Plan if:
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\r\n\r\n\r\nYou become a Resident of Quebec; or\r\nWe do not receive your Required Payment by the Payment Due Date in 2 consecutive months; or\r\nYou close your Account; or\r\nTD closes your Account or removes charging privileges for your Account or\r\nIf you are not meeting the terms and conditions of the TD Payment Plan.\r\n\r\n"}}" id="text-e34d77a8b3" class="cmp-text"> TD has the right to close your Payment Plan if:
You become a Resident of Quebec; or We do not receive your Required Payment by the Payment Due Date in 2 consecutive months; or You close your Account; or TD closes your Account or removes charging privileges for your Account or If you are not meeting the terms and conditions of the TD Payment Plan. If my TD Payment Plan is closed, can I re-enroll the purchase? No. Once a TD Payment Plan is closed, the purchase cannot be re-enrolled.\r\n"}}" id="text-8f164c920e" class="cmp-text"> No. Once a TD Payment Plan is closed, the purchase cannot be re-enrolled. What happens to the Payment Plan Fee if a Payment Plan is closed? If your TD Payment Plan is subject to a Payment Plan Fee and a Payment Plan Annual Interest Rate of 0%, and you or TD close your Payment Plan within fifty (50) days after the Payment Plan Effective Date, then TD will fully refund the applicable Payment Plan Fee. If the Payment Plan is closed after fifty (50) days, a portion of the applicable Payment Plan Fee will be refunded based on the remaining Term.\r\n"}}" id="text-f84ac6229b" class="cmp-text"> If your TD Payment Plan is subject to a Payment Plan Fee and a Payment Plan Annual Interest Rate of 0%, and you or TD close your Payment Plan within fifty (50) days after the Payment Plan Effective Date, then TD will fully refund the applicable Payment Plan Fee. If the Payment Plan is closed after fifty (50) days, a portion of the applicable Payment Plan Fee will be refunded based on the remaining Term. Account activity\r\n"}}" id="text-03e5d770dd" class="cmp-text"> Account activity Are there any amendments to existing Pre-Authorized Debit (PAD) authorization? Yes, if you have provided authorization to TD to debit your chequing or savings account to pay your Account statement's "Balance in Full" each month, we will instead debit the Grace Period Payment Amount for the applicable statement period each month until your Payment Plans expire or are closed. Please note however that if a purchase is converted into a Payment Plan after the purchase was shown on your account's monthly statement, the PAD for that statement period will continue to pay the New Balance amount that was shown on that monthly statement. This may result in your PAD paying down a partial or full amount of the new Payment Plan(s).\r\n"}}" id="text-0a26927dfd" class="cmp-text"> Yes, if you have provided authorization to TD to debit your chequing or savings account to pay your Account statement's "Balance in Full" each month, we will instead debit the Grace Period Payment Amount for the applicable statement period each month until your Payment Plans expire or are closed. Please note however that if a purchase is converted into a Payment Plan after the purchase was shown on your account's monthly statement, the PAD for that statement period will continue to pay the New Balance amount that was shown on that monthly statement. This may result in your PAD paying down a partial or full amount of the new Payment Plan(s). Where can I find the Amending Agreement applicable to TD Payment Plans? Refer to the TD Payment Plan Amending Agreement for more details.\r\n"}}" id="text-c02971de5b" class="cmp-text"> Refer to the TD Payment Plan Amending Agreement for more details. Do I earn rewards, loyalty points or a cash back if I convert a purchase to a TD Payment Plan? If you have an account that earns rewards points, loyalty points or TD Cash Back Dollars, setting up a Payment Plan will not impact the applicable rewards terms and conditions.\r\n"}}" id="text-9efe6c0823" class="cmp-text"> If you have an account that earns rewards points, loyalty points or TD Cash Back Dollars, setting up a Payment Plan will not impact the applicable rewards terms and conditions. Insurance coverage\r\n"}}" id="text-056f5ccb0d" class="cmp-text"> Insurance coverage How does the TD Payment Plan impact my TD Credit Card Payment Protection Plan?
\r\nIf your credit card Account is enrolled in TD Credit Card Payment Protection Plan while on a Payment Plan, there are no changes and existing insurance benefits and premium calculations will continue to apply to all amounts charged to your TD credit card, including those amounts under a Payment Plan, as follows:
\r\n\r\n\r\nInsurance Premiums
\r\nThe premium calculations will remain the same and your premiums will be calculated on any amounts under your Payment Plan(s) including applicable interest on Payment Plan balances as they form part of your balance.\r\nInsurance Benefits
\r\nThe insurance benefit calculations will remain the same. However, please note that the monthly benefits may not cover your entire minimum payment in certain circumstances depending on the Payment Plan you select. You'll remain responsible for any amounts owing on your account that aren't covered by the insurance.\r\n\r\n"}}" id="text-9d68afcb76" class="cmp-text">
If your credit card Account is enrolled in TD Credit Card Payment Protection Plan while on a Payment Plan, there are no changes and existing insurance benefits and premium calculations will continue to apply to all amounts charged to your TD credit card, including those amounts under a Payment Plan, as follows:
Insurance Premiums
The premium calculations will remain the same and your premiums will be calculated on any amounts under your Payment Plan(s) including applicable interest on Payment Plan balances as they form part of your balance. Insurance Benefits
The insurance benefit calculations will remain the same. However, please note that the monthly benefits may not cover your entire minimum payment in certain circumstances depending on the Payment Plan you select. You'll remain responsible for any amounts owing on your account that aren't covered by the insurance. TD Payment Plans and Buy Now Pay Later Plans\r\n"}}" id="text-55950e72c4" class="cmp-text"> TD Payment Plans and Buy Now Pay Later Plans What is the difference between TD Payment Plans and Buy Now Pay Later Plans? Buy now pay later (BNPL) plans have become a popular option to allow people to spread a purchase amount over multiple smaller payments at the time a purchase is made. While this may sound similar to TD Payment Plans, these are in fact separate and distinct products with important key differences, including:\r\n\r\nTD Payment Plans are a feature of your credit card. As such, there is no new application or credit check required because you’re tapping into the existing credit you already have on your card.\r\nBNPL plans are a type of loan. They often require an application and a credit check, and any increased debt may impact your credit score.\r\nTD Payment Plan offers are accepted after a purchase has been made and is posted to your Account, whereas BNPL plans are initiated at the time a purchase is made, such as during online checkout.\r\n\r\n"}}" id="text-f35171dfc8" class="cmp-text"> Buy now pay later (BNPL) plans have become a popular option to allow people to spread a purchase amount over multiple smaller payments at the time a purchase is made. While this may sound similar to TD Payment Plans, these are in fact separate and distinct products with important key differences, including: TD Payment Plans are a feature of your credit card. As such, there is no new application or credit check required because you’re tapping into the existing credit you already have on your card. BNPL plans are a type of loan. They often require an application and a credit check, and any increased debt may impact your credit score. TD Payment Plan offers are accepted after a purchase has been made and is posted to your Account, whereas BNPL plans are initiated at the time a purchase is made, such as during online checkout. Legal\r\n"}}" id="text-8a6f0b939e" class="cmp-text"> Legal Ready to set up your TD Payment Plan? Set up in EasyWeb In a few simple steps, you’ll have more flexibility with paying down large purchases, thanks to a range of TD Payment Plan options. Sign in to EasyWeb Find out more about our TD Credit Cards\r\n"}}" id="text-24e256e99e" class="cmp-text"> Find out more about our TD Credit Cards Credit cards to fit my needs Explore all our credit cards and find the one that suits you best View all cards Add additional cardholders Share the benefits of your TD Credit Card Account with up to 3 additional cardholders Learn more Manage your credit card in the TD app Set transaction limits, block international purchases, or lock your credit card Learn more Automatically pay bills Set up Pre-Authorized Payments on your TD Credit Card and stay on top of your payments Learn more Have a question? Find answers here What's your question? Ask Us Popular questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular questions View morepopular questions Helpful related questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable. Sorry this didn't help. Would you leave us a comment about your search? Submit Thank you Back to top Find Us Help Back to top Contact Us Call us Book an appointment Give feedback Products Bank Accounts Credit Cards Mortgages Borrowing Personal Investing Insurance Ways to Bank TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange services Banking Advice TD Advice TD Calculators and Tools Digital banking tutorials Fraud prevention New to Canada Students About Us Who we are Our impact News and economics For investors Customer care Careers Privacy and Security Legal Accessibility CDIC Member About Us Careers Manage Online Experience Site Index Toronto-Dominion Centre – Corporate Office
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Plan Total Interest, Total Payment Plan Amount, and the Cost of Borrowing are based on you paying the Minimum Payments owing on your credit card account (inclusive of the applicable Monthly Payment Plan Amounts) on the due date each month.\r\n"}}" id="dest2" class="cmp-text"> 2 Plan Total Interest is calculated based on your Original Purchase Amount plus the Payment Plan Fee Amount (if any). Plan Total Interest, Total Payment Plan Amount, and the Cost of Borrowing are based on you paying the Minimum Payments owing on your credit card account (inclusive of the applicable Monthly Payment Plan Amounts) on the due date each month. 3 We reserve the right to offer Payment Plans only for certain transactions and to limit the maximum percentage of your credit limit on your account for Payment Plans. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears.\r\n"}}" id="dest3" class="cmp-text"> 3 We reserve the right to offer Payment Plans only for certain transactions and to limit the maximum percentage of your credit limit on your account for Payment Plans. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Restart Transcript TD Payment Plans is a feature of your TD credit card that provides another way to pay for your purchases with flexibility and control. Confidently manage your TD credit card purchases and make payments over a timeframe that works for you. It can help you make equal monthly payments on bigger purchases. Best of all, if you already made the purchase on your TD credit card, you can start creating a payment plan today. Conditions apply. Here’s how. Log in to your TD App and go to your credit card activity page where you can view all your transactions. Select the Payment Plans icon right above the activity tab. From here, read and Learn about TD Payment Plans and select Get Started. On this page, you’ll find a list of all your eligible purchases. Select the one you want to set up a TD Payment Plan for. We have selected the Computer Store purchase to use as an example. Next, determine which TD Payment Plan offer best suits your needs based on the number of months you want to pay off your purchase and applicable fees. Once you have selected your timeframe, select Continue. Create a plan name for this purchase. That way it’s easy for you to remember the purchase you converted into a Payment Plan. We’ve named this one Laptop. Next, confirm your email address and select Continue. Make sure you are using your current email address. Changing this email will update it across your entire TD profile. Here’s where you can review the summary of your TD Payment Plan. Then select Continue to go to the next screen. Read through the Terms and Conditions and select Accept & Submit to agree to the Payment Plan terms. And finally, your request will be sent in for processing. You will be notified within two business days what the status of your request is. You can also view your Payment Plans by going to the Payment Plans page of your Credit Card Account and select the All Plans tab. If you don’t have the TD mobile app, now is a great time to get it. TD. Ready to help you move forward. Restart Transcript FRAME 1: Here’s how to set up a TD Payment Plan for a TD Credit Card purchase. FRAME 2: Open the TD app, select your credit card and tap on 'Payment Plans'. FRAME 3: Choose the eligible purchase you want to pay with a TD Payment Plan. FRAME 4: Choose a 6, 12, or 18 month plan. Review the fee for each option. FRAME 5: Name your plan and confirm your email address. FRAME 6: Review Terms and Conditions, click 'Accept & Submit', and you’re set!
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Find Us Help Country: Canada Canada Selected country United States Language: English English Select language Français 简体中文 繁體中文 Login EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Get The Most Out of My Credit CardPre-Authorized Payment Benefits & Bill Payments
What is a TD Payment Plan?\r\n"}}" id="text-3ac3ada780" class="cmp-text"> What is a TD Payment Plan? Turn eligible credit card purchases into equal monthly payments over 6, 12 or 18 months - for a fee and 0% Annual Interest Rate1. Conditions apply. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project.\r\n"}}" id="text-ecacd225dc" class="cmp-text">Turn eligible credit card purchases into equal monthly payments over 6, 12 or 18 months - for a fee and 0% Annual Interest Rate1. Conditions apply. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project.
Sign in to EasyWeb Benefits of TD Payment Plans\r\n"}}" id="text-5d2c136488" class="cmp-text"> Benefits of TD Payment Plans TD Payment Plans helps you manage your budget, while offering flexibility.\r\n"}}" id="text-cd7f95e0e6" class="cmp-text">TD Payment Plans helps you manage your budget, while offering flexibility.
Make purchases more manageable You can break up credit card purchases of $100 or more into manageable payments. Conditions apply. Stay on top of your payments You can select the TD Payment Plan offer that works best for you, so you’ll know exactly what your monthly payments will be. Enjoy flexibility and convenience With flexible payment options, you can be confident knowing you have more control of your budget. Continue to enjoy your card benefits Set up a TD Payment Plan for your purchase and continue to enjoy benefits that come with your credit card. Eligibility of TD Payment Plans\r\n"}}" id="text-14a133bf73" class="cmp-text"> Eligibility of TD Payment Plans Below is a breakdown to help you understand if you’re eligible. Conditions apply.\r\n"}}" id="text-beb015381e" class="cmp-text">Below is a breakdown to help you understand if you’re eligible. Conditions apply.
Personal TD credit cardholder with online or mobile banking access Primary Cardholders only (Additional Cardholders are not eligible) Account in good standing Eligible purchase of $100 or more that has been posted to your Account3 Your current Account balance plus pending transactions and applicable TD Payment Plan fees cannot exceed 90% of your credit limit You're a resident of a province or territory in Canada other than Quebec You do not already have 25 active Payment Plans Please login into your EasyWeb profile or the TD App to see which transactions are eligible.\r\n"}}" id="text-2cb4f3fdf6" class="cmp-text">Please login into your EasyWeb profile or the TD App to see which transactions are eligible.
Let’s break it down for you\r\n"}}" id="text-90308332ac" class="cmp-text"> Let’s break it down for you For example, let's say you bought a $1,200 laptop and are looking to convert it into a 6, 12 or 18 month TD Payment Plan.\r\n"}}" id="text-450323f53a" class="cmp-text">For example, let's say you bought a $1,200 laptop and are looking to convert it into a 6, 12 or 18 month TD Payment Plan.
6 months: $208.00/moPayment Plan Annual Interest Rate1: 0%
Plan Total Interest1, 2: 0%
Payment Plan Fee: 4%
Payment Plan Fee Amount: $48.00
Total Payment Plan Amount: $1,248.00
12 months: $106.00/moPayment Plan Annual Interest Rate1: 0%
Plan Total Interest1, 2: 0%
Payment Plan Fee: 6%
Payment Plan Fee Amount: $72.00
Total Payment Plan Amount: $1,272.00
18 months: $72.00/moPayment Plan Annual Interest Rate1: 0%
Plan Total Interest1, 2: 0%
Payment Plan Fee: 8%
Payment Plan Fee Amount: $96.00
Total Payment Plan Amount: $1,296.00
Setting up TD Payment Plans in EasyWeb\r\n"}}" id="text-2c167b0d89" class="cmp-text"> Setting up TD Payment Plans in EasyWeb 1 Sign into EasyWeb and go to your Credit Card Account Activity Page 2 Under ‘View Transactions’, click on 'Set up a TD Payment Plan' 3 Choose your TD Payment Plan 4 Review Terms and Conditions and click ‘Accept’ to set up your TD Payment Plan Sign in to EasyWeb Setting up TD Payment Plans on the TD app\r\n"}}" id="text-9fece0fbea" class="cmp-text"> Setting up TD Payment Plans on the TD app \r\nSign into the TD app and select your credit card and tap on 'TD Payment Plans'\r\nChoose the eligible purchase you would like to convert into a TD Payment Plan\r\nSelect a 6, 12, or 18 month plan and review the fee that applies\r\nName your plan and confirm your email on the next screen\r\nReview Terms and Conditions and click 'Accept' to set up your TD Payment Plan\r\n\r\n"}}" id="text-90c8167453" class="cmp-text"> Sign into the TD app and select your credit card and tap on 'TD Payment Plans' Choose the eligible purchase you would like to convert into a TD Payment Plan Select a 6, 12, or 18 month plan and review the fee that applies Name your plan and confirm your email on the next screen Review Terms and Conditions and click 'Accept' to set up your TD Payment Plan Frequently asked questions\r\n"}}" id="text-92afdb667e" class="cmp-text"> Frequently asked questions Eligibility\r\n"}}" id="text-10e8842f4c" class="cmp-text"> Eligibility How will I know if I’m eligible for a TD Payment Plan? If you’re eligible for a TD Payment Plan, you’ll see a Payment Plan offer in your account on EasyWeb or on the TD App. Your credit card account can have up to 25 active TD Payment Plans at one time.\r\n
\r\nTD Payment Plans are currently only available to residents of a province or territory in Canada other than Quebec.
\r\n
\r\nYour Account balance needs to be equal to or greater than the eligible transaction amount to be eligible for a Payment Plan.
\r\n
\r\nFor example:\r\nYou currently have a $0 Account balance on your credit card and make a purchase of $500, the purchase would display under eligible transactions on EasyWeb or the TD App.\r\nIn a separate scenario, your credit card Account balance is $0 and you have a purchase of $500 posted to your Account. You decide to make a payment of $100 to your Account. This brings your Account balance to $400 and the purchase will not appear as an eligible transaction for a Payment Plan as your Account no longer meets the eligibility criteria. This is because your Account balance is $400 and is not equal to or greater than the $500 purchase amount.\r\n"}}" id="text-d4e058d474" class="cmp-text"> If you’re eligible for a TD Payment Plan, you’ll see a Payment Plan offer in your account on EasyWeb or on the TD App. Your credit card account can have up to 25 active TD Payment Plans at one time.
TD Payment Plans are currently only available to residents of a province or territory in Canada other than Quebec.
Your Account balance needs to be equal to or greater than the eligible transaction amount to be eligible for a Payment Plan.
For example: You currently have a $0 Account balance on your credit card and make a purchase of $500, the purchase would display under eligible transactions on EasyWeb or the TD App. In a separate scenario, your credit card Account balance is $0 and you have a purchase of $500 posted to your Account. You decide to make a payment of $100 to your Account. This brings your Account balance to $400 and the purchase will not appear as an eligible transaction for a Payment Plan as your Account no longer meets the eligibility criteria. This is because your Account balance is $400 and is not equal to or greater than the $500 purchase amount. Are all purchases eligible for a TD Payment Plan? No, not all purchases are eligible3. For a purchase to be eligible, it must be made with a personal TD Credit Card and amount to $100 or more. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Cash advances, other cash-like transactions, and service fees are also not eligible. Please check your account on EasyWeb or TD App to see if you have eligible transactions.\r\n"}}" id="text-f192689d19" class="cmp-text"> No, not all purchases are eligible3. For a purchase to be eligible, it must be made with a personal TD Credit Card and amount to $100 or more. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Cash advances, other cash-like transactions, and service fees are also not eligible. Please check your account on EasyWeb or TD App to see if you have eligible transactions. Does eligibility depend on which TD credit card I have? Business credit cards are not eligible. Purchases made on TD cards with an interest rate less than 8.99% are also not eligible.\r\n"}}" id="text-b7649842fd" class="cmp-text"> Business credit cards are not eligible. Purchases made on TD cards with an interest rate less than 8.99% are also not eligible. Can I have more than one TD Payment Plan? Your credit card account can have up to 25 active TD Payment Plans at one time. However, transactions cannot be combined. If offered and accepted, each eligible transaction will be put in its own TD Payment Plan.\r\n"}}" id="text-cfddf03db6" class="cmp-text"> Your credit card account can have up to 25 active TD Payment Plans at one time. However, transactions cannot be combined. If offered and accepted, each eligible transaction will be put in its own TD Payment Plan. Can I set up a TD Payment Plan on an Additional Cardholder's purchase? Yes, you can convert eligible purchases from an Additional Cardholder's credit card to a TD Payment Plan. However, only the primary cardholder can set-up a TD Payment Plan.\r\n"}}" id="text-3b36da4d19" class="cmp-text"> Yes, you can convert eligible purchases from an Additional Cardholder's credit card to a TD Payment Plan. However, only the primary cardholder can set-up a TD Payment Plan. Plan setup and monitoring\r\n"}}" id="text-6b6d9dfa62" class="cmp-text"> Plan setup and monitoring Do I need to apply for a TD Payment Plan? Does it affect my credit score? No, a TD Payment Plan is a new feature available on eligible TD credit card purchases. Setting up a TD Payment Plan will not have any impact on your credit score, as long as you pay your minimum payment on time.\r\n"}}" id="text-965d9e9899" class="cmp-text"> No, a TD Payment Plan is a new feature available on eligible TD credit card purchases. Setting up a TD Payment Plan will not have any impact on your credit score, as long as you pay your minimum payment on time. Once active, where can I review details of my TD Payment Plans? Details can be found in several places:
\r\n
\r\n\r\n\r\nIn the Terms & Conditions applicable to your TD Payment Plan\r\nIn the TD Payment Plans section of EasyWeb\r\nOn your credit card statement each month\r\n\r\n"}}" id="text-ac7e08b68b" class="cmp-text"> Details can be found in several places:
In the Terms & Conditions applicable to your TD Payment Plan In the TD Payment Plans section of EasyWeb On your credit card statement each month How do I calculate the fee for my TD Payment Plan? The fee is calculated by multiplying the full purchase transaction amount by the fee percentage. The applicable Payment Plan fee will then be added to the Payment Plan balance.
\r\n
\r\nFor example:
\r\n
\r\nYou recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4% and a Payment Plan Annual Interest Rate of 0%.
\r\n
\r\nHere’s how you would calculate the fee for your TD Payment Plan:
\r\n
\r\n\r\n\r\nPayment Plan Fee Amount = $600 X 4% = $24\r\n\r\n"}}" id="text-d71ba4c4fd" class="cmp-text"> The fee is calculated by multiplying the full purchase transaction amount by the fee percentage. The applicable Payment Plan fee will then be added to the Payment Plan balance.
For example:
You recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4% and a Payment Plan Annual Interest Rate of 0%.
Here’s how you would calculate the fee for your TD Payment Plan:
Payment Plan Fee Amount = $600 X 4% = $24 How do I calculate my Monthly Payment Plan Amount for my TD Payment Plan? The Monthly Payment Plan Amount is calculated by taking the Total Payment Plan amount (including fee) and Plan Total Interest, if any) and dividing it by the number of months for the plan.
\r\n
\r\nFor example:
\r\n
\r\nYou recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4%.
\r\n
\r\nHere’s the breakdown of your Monthly Payment Plan Amount:
\r\n
\r\n\r\n\r\nPayment Plan Fee Amount = $600 X 4% = $24\r\nPayment Plan balance = $624\r\nMonthly Payment Plan Amount (including fee) = ($600 + $24) / 6 months = $104\r\n\r\n"}}" id="text-8ef9cce004" class="cmp-text"> The Monthly Payment Plan Amount is calculated by taking the Total Payment Plan amount (including fee) and Plan Total Interest, if any) and dividing it by the number of months for the plan.
For example:
You recently purchased a $600 table, and you decide you want to convert the purchase to a 6-month Payment Plan with a total fee of 4%.
Here’s the breakdown of your Monthly Payment Plan Amount:
Payment Plan Fee Amount = $600 X 4% = $24 Payment Plan balance = $624 Monthly Payment Plan Amount (including fee) = ($600 + $24) / 6 months = $104 Can I change my TD Payment Plan after accepting an offer? No, you cannot make changes to your Payment Plan terms once it is set up. However, you can close the Payment Plan through EasyWeb, if it no longer suits your needs. Once cancelled, a TD Payment Plan for that purchase cannot be reinstated, and any unpaid Payment Plan balances will become subject to your Account's annual interest rate for purchases.\r\n"}}" id="text-9e0f9c61f2" class="cmp-text"> No, you cannot make changes to your Payment Plan terms once it is set up. However, you can close the Payment Plan through EasyWeb, if it no longer suits your needs. Once cancelled, a TD Payment Plan for that purchase cannot be reinstated, and any unpaid Payment Plan balances will become subject to your Account's annual interest rate for purchases. Does a Payment Plan increase the credit limit on my account? No, the credit limit on your Account does not change. Only purchases made using your existing credit limit can be eligible for a Payment Plan. Amounts outstanding on your Payment Plan reduce your available credit on your account.\r\n"}}" id="text-a9b3f1c721" class="cmp-text"> No, the credit limit on your Account does not change. Only purchases made using your existing credit limit can be eligible for a Payment Plan. Amounts outstanding on your Payment Plan reduce your available credit on your account. If I don't pay my Monthly Payment Plan Amount in full, what will happen? If you do not pay your Monthly Payment Plan Amount in full in a particular month, any unpaid portion of your Monthly Payment Plan Amount will become subject to your Account's annual interest rate for purchases beginning the first day of the Statement Period after the missed Minimum Payment.
\r\n
\r\nIf you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans.\r\n"}}" id="text-6c98c2c283" class="cmp-text"> If you do not pay your Monthly Payment Plan Amount in full in a particular month, any unpaid portion of your Monthly Payment Plan Amount will become subject to your Account's annual interest rate for purchases beginning the first day of the Statement Period after the missed Minimum Payment.
If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans. If I have a TD Payment Plan, what happens if I do not pay my Required Payment? If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans.\r\n"}}" id="text-4ddcae8376" class="cmp-text"> If you do not pay your Required Payment (which is your Minimum Payment less any Monthly Payment Plan Amounts that are shown on the same statement as your Minimum Payment) by the Payment Due Date set out on your monthly Account statement in two (2) consecutive months, we have the right to close all your Payment Plans. What if I return or dispute a purchase that I put into a TD Payment Plan? If a purchase is put into a Payment Plan and you subsequently return or dispute the purchase for a refund, this will not result in the automatic closure of the Payment Plan or reduce the Monthly Payment Plan Amount. If you do wish to close a Payment Plan after returning or disputing a purchase for a refund, you may close the Payment Plan through EasyWeb.\r\n"}}" id="text-9a1d41bfb5" class="cmp-text"> If a purchase is put into a Payment Plan and you subsequently return or dispute the purchase for a refund, this will not result in the automatic closure of the Payment Plan or reduce the Monthly Payment Plan Amount. If you do wish to close a Payment Plan after returning or disputing a purchase for a refund, you may close the Payment Plan through EasyWeb. How does a TD Payment Plan impact the Grace Period on my Account? You don't have to repay your Payment Plan balance in full to take advantage of the grace period for new purchases made in a Statement Period that have not been put in a Payment Plan. Here's what you have to pay on your account by your Payment Due Date in order to avoid interest on new purchases made during a Statement Period, excluding purchases that you have put into a Payment Plan:\r\n \r\n\r\nThe New Balance shown on your monthly statement minus your Total Payment Plans Balance(s) that are shown on that same monthly statement, plus\r\nYour Monthly Payment Plan Amount(s) that are due on your monthly statement.\r\n\r\n \r\nWe call this the "Grace Period Payment Amount". Starting the first statement we provide following the creation of a Payment Plan, we will show you the exact dollar amount you need to pay for each statement so you can benefit from the grace period on your Account.\r\n"}}" id="text-7f2781e76a" class="cmp-text"> You don't have to repay your Payment Plan balance in full to take advantage of the grace period for new purchases made in a Statement Period that have not been put in a Payment Plan. Here's what you have to pay on your account by your Payment Due Date in order to avoid interest on new purchases made during a Statement Period, excluding purchases that you have put into a Payment Plan: The New Balance shown on your monthly statement minus your Total Payment Plans Balance(s) that are shown on that same monthly statement, plus Your Monthly Payment Plan Amount(s) that are due on your monthly statement. We call this the "Grace Period Payment Amount". Starting the first statement we provide following the creation of a Payment Plan, we will show you the exact dollar amount you need to pay for each statement so you can benefit from the grace period on your Account. \r\n"Grace Period Payment Amount" is the amount you must pay by your Payment Due Date in order to avoid interest on new purchases made during the applicable Statement Period (excluding new purchases that have been put into a Payment Plan). The Grace Period Payment Amount for the applicable Statement Period will be shown on your Account statement starting the first statement we provide following the creation of a Payment Plan, and will be calculated as follows:\r\nNew Balance on your monthly statement,\r\nminus your Total Payment Plans balance that is shown on your monthly statement,\r\nplus your Total Monthly Payment Plan Amount(s) that are due on your monthly statement.\r\nHowever, if you move a purchase that has already appeared on your monthly statement into a TD Payment Plan prior to the Payment Due Date of that monthly statement, the Grace Period Payment Amount will be:\r\nIf you do not have an active Payment Plan on your current monthly statement: The New Balance shown on that monthly statement minus the purchase amount(s) converted into a Payment Plan;\r\nIf you have active Payment Plan(s) on your current monthly statement: The Grace Period Payment Amount will be the Grace Period Payment Amount figure that is already shown on your monthly statement minus the new purchase amount(s) moved into a Payment Plan. For greater certainty, after you convert the new purchase into a new TD Payment Plan, the amount of the new TD Payment Plan will not be included in the TD Payment Plans balance that is used to calculate the Grace Period Payment Amount that is due by the Payment Due Date of that monthly statement.\r\n\r\n"}}" id="text-f19da672e5" class="cmp-text"> "Grace Period Payment Amount" is the amount you must pay by your Payment Due Date in order to avoid interest on new purchases made during the applicable Statement Period (excluding new purchases that have been put into a Payment Plan). The Grace Period Payment Amount for the applicable Statement Period will be shown on your Account statement starting the first statement we provide following the creation of a Payment Plan, and will be calculated as follows: New Balance on your monthly statement, minus your Total Payment Plans balance that is shown on your monthly statement, plus your Total Monthly Payment Plan Amount(s) that are due on your monthly statement. However, if you move a purchase that has already appeared on your monthly statement into a TD Payment Plan prior to the Payment Due Date of that monthly statement, the Grace Period Payment Amount will be: If you do not have an active Payment Plan on your current monthly statement: The New Balance shown on that monthly statement minus the purchase amount(s) converted into a Payment Plan; If you have active Payment Plan(s) on your current monthly statement: The Grace Period Payment Amount will be the Grace Period Payment Amount figure that is already shown on your monthly statement minus the new purchase amount(s) moved into a Payment Plan. For greater certainty, after you convert the new purchase into a new TD Payment Plan, the amount of the new TD Payment Plan will not be included in the TD Payment Plans balance that is used to calculate the Grace Period Payment Amount that is due by the Payment Due Date of that monthly statement. How does a TD Payment Plan impact the payment information on my Account? \r\nNew Balance is the total amount owing on your credit card as of the statement closing date. This will include both balances on your Account that are in a Payment Plan and balances on your Account that are not in a Payment Plan.
\r\n
\r\nMinimum Payment is the amount you need to pay by the Payment Due Date.
\r\n
\r\nPayment Due Date is the date your Minimum Payment is due and is shown on the Account statement.\r\n\r\n"}}" id="text-5512d2b27e" class="cmp-text"> New Balance is the total amount owing on your credit card as of the statement closing date. This will include both balances on your Account that are in a Payment Plan and balances on your Account that are not in a Payment Plan.
Minimum Payment is the amount you need to pay by the Payment Due Date.
Payment Due Date is the date your Minimum Payment is due and is shown on the Account statement. Where can I locate my active TD Payment Plan(s) on my statement? What information does it provide? \r\nThis section appears if you have an active TD Payment Plan during the Statement Period of that Statement. It provides important information about the TD Payment Plans summarized on your Statement.
\r\n
\r\nAnnual Interest Rate is the interest rate applicable to the Payment Plan.
\r\n
\r\nPayment Plan Balance is the outstanding balance on the TD Payment Plan as of the Statement Closing Date.
\r\n
\r\nStart Date is the date the TD Payment Plan was created.
\r\n
\r\nProjected End Date is the date the TD Payment Plan is set to expire.
\r\n
\r\nPlan Interest Charges is the interest charged to your account for the TD Payment Plan during the Statement Period.
\r\n
\r\nMonthly Plan Payment Amounts is the amount that is due to be paid on the TD Payment Plan for the Statement Period. It is included in the Minimum Payment shown at the top of your monthly statement.\r\n\r\n"}}" id="text-6ca6c3ea51" class="cmp-text"> This section appears if you have an active TD Payment Plan during the Statement Period of that Statement. It provides important information about the TD Payment Plans summarized on your Statement.
Annual Interest Rate is the interest rate applicable to the Payment Plan.
Payment Plan Balance is the outstanding balance on the TD Payment Plan as of the Statement Closing Date.
Start Date is the date the TD Payment Plan was created.
Projected End Date is the date the TD Payment Plan is set to expire.
Plan Interest Charges is the interest charged to your account for the TD Payment Plan during the Statement Period.
Monthly Plan Payment Amounts is the amount that is due to be paid on the TD Payment Plan for the Statement Period. It is included in the Minimum Payment shown at the top of your monthly statement. Plan closure\r\n"}}" id="text-73d735b873" class="cmp-text"> Plan closure How do I close a TD Payment Plan? You can close a TD Payment Plan at any time. All you need to do is log into EasyWeb, select the plan you wish to close in the Payment Plans section, and click “Close the plan”.
\r\n
\r\nIf your TD Payment Plans are closed, any remaining balance of the Payment Plan will become subject to your Account's then-current interest rate for Purchases.\r\n"}}" id="text-4782be4a34" class="cmp-text"> You can close a TD Payment Plan at any time. All you need to do is log into EasyWeb, select the plan you wish to close in the Payment Plans section, and click “Close the plan”.
If your TD Payment Plans are closed, any remaining balance of the Payment Plan will become subject to your Account's then-current interest rate for Purchases. Why were my TD Payment Plans closed? TD has the right to close your Payment Plan if:
\r\n
\r\n\r\n\r\nYou become a Resident of Quebec; or\r\nWe do not receive your Required Payment by the Payment Due Date in 2 consecutive months; or\r\nYou close your Account; or\r\nTD closes your Account or removes charging privileges for your Account or\r\nIf you are not meeting the terms and conditions of the TD Payment Plan.\r\n\r\n"}}" id="text-e34d77a8b3" class="cmp-text"> TD has the right to close your Payment Plan if:
You become a Resident of Quebec; or We do not receive your Required Payment by the Payment Due Date in 2 consecutive months; or You close your Account; or TD closes your Account or removes charging privileges for your Account or If you are not meeting the terms and conditions of the TD Payment Plan. If my TD Payment Plan is closed, can I re-enroll the purchase? No. Once a TD Payment Plan is closed, the purchase cannot be re-enrolled.\r\n"}}" id="text-8f164c920e" class="cmp-text"> No. Once a TD Payment Plan is closed, the purchase cannot be re-enrolled. What happens to the Payment Plan Fee if a Payment Plan is closed? If your TD Payment Plan is subject to a Payment Plan Fee and a Payment Plan Annual Interest Rate of 0%, and you or TD close your Payment Plan within fifty (50) days after the Payment Plan Effective Date, then TD will fully refund the applicable Payment Plan Fee. If the Payment Plan is closed after fifty (50) days, a portion of the applicable Payment Plan Fee will be refunded based on the remaining Term.\r\n"}}" id="text-f84ac6229b" class="cmp-text"> If your TD Payment Plan is subject to a Payment Plan Fee and a Payment Plan Annual Interest Rate of 0%, and you or TD close your Payment Plan within fifty (50) days after the Payment Plan Effective Date, then TD will fully refund the applicable Payment Plan Fee. If the Payment Plan is closed after fifty (50) days, a portion of the applicable Payment Plan Fee will be refunded based on the remaining Term. Account activity\r\n"}}" id="text-03e5d770dd" class="cmp-text"> Account activity Are there any amendments to existing Pre-Authorized Debit (PAD) authorization? Yes, if you have provided authorization to TD to debit your chequing or savings account to pay your Account statement's "Balance in Full" each month, we will instead debit the Grace Period Payment Amount for the applicable statement period each month until your Payment Plans expire or are closed. Please note however that if a purchase is converted into a Payment Plan after the purchase was shown on your account's monthly statement, the PAD for that statement period will continue to pay the New Balance amount that was shown on that monthly statement. This may result in your PAD paying down a partial or full amount of the new Payment Plan(s).\r\n"}}" id="text-0a26927dfd" class="cmp-text"> Yes, if you have provided authorization to TD to debit your chequing or savings account to pay your Account statement's "Balance in Full" each month, we will instead debit the Grace Period Payment Amount for the applicable statement period each month until your Payment Plans expire or are closed. Please note however that if a purchase is converted into a Payment Plan after the purchase was shown on your account's monthly statement, the PAD for that statement period will continue to pay the New Balance amount that was shown on that monthly statement. This may result in your PAD paying down a partial or full amount of the new Payment Plan(s). Where can I find the Amending Agreement applicable to TD Payment Plans? Refer to the TD Payment Plan Amending Agreement for more details.\r\n"}}" id="text-c02971de5b" class="cmp-text"> Refer to the TD Payment Plan Amending Agreement for more details. Do I earn rewards, loyalty points or a cash back if I convert a purchase to a TD Payment Plan? If you have an account that earns rewards points, loyalty points or TD Cash Back Dollars, setting up a Payment Plan will not impact the applicable rewards terms and conditions.\r\n"}}" id="text-9efe6c0823" class="cmp-text"> If you have an account that earns rewards points, loyalty points or TD Cash Back Dollars, setting up a Payment Plan will not impact the applicable rewards terms and conditions. Insurance coverage\r\n"}}" id="text-056f5ccb0d" class="cmp-text"> Insurance coverage How does the TD Payment Plan impact my TD Credit Card Payment Protection Plan?
\r\nIf your credit card Account is enrolled in TD Credit Card Payment Protection Plan while on a Payment Plan, there are no changes and existing insurance benefits and premium calculations will continue to apply to all amounts charged to your TD credit card, including those amounts under a Payment Plan, as follows:
\r\n\r\n\r\nInsurance Premiums
\r\nThe premium calculations will remain the same and your premiums will be calculated on any amounts under your Payment Plan(s) including applicable interest on Payment Plan balances as they form part of your balance.\r\nInsurance Benefits
\r\nThe insurance benefit calculations will remain the same. However, please note that the monthly benefits may not cover your entire minimum payment in certain circumstances depending on the Payment Plan you select. You'll remain responsible for any amounts owing on your account that aren't covered by the insurance.\r\n\r\n"}}" id="text-9d68afcb76" class="cmp-text">
If your credit card Account is enrolled in TD Credit Card Payment Protection Plan while on a Payment Plan, there are no changes and existing insurance benefits and premium calculations will continue to apply to all amounts charged to your TD credit card, including those amounts under a Payment Plan, as follows:
Insurance Premiums
The premium calculations will remain the same and your premiums will be calculated on any amounts under your Payment Plan(s) including applicable interest on Payment Plan balances as they form part of your balance. Insurance Benefits
The insurance benefit calculations will remain the same. However, please note that the monthly benefits may not cover your entire minimum payment in certain circumstances depending on the Payment Plan you select. You'll remain responsible for any amounts owing on your account that aren't covered by the insurance. TD Payment Plans and Buy Now Pay Later Plans\r\n"}}" id="text-55950e72c4" class="cmp-text"> TD Payment Plans and Buy Now Pay Later Plans What is the difference between TD Payment Plans and Buy Now Pay Later Plans? Buy now pay later (BNPL) plans have become a popular option to allow people to spread a purchase amount over multiple smaller payments at the time a purchase is made. While this may sound similar to TD Payment Plans, these are in fact separate and distinct products with important key differences, including:\r\n\r\nTD Payment Plans are a feature of your credit card. As such, there is no new application or credit check required because you’re tapping into the existing credit you already have on your card.\r\nBNPL plans are a type of loan. They often require an application and a credit check, and any increased debt may impact your credit score.\r\nTD Payment Plan offers are accepted after a purchase has been made and is posted to your Account, whereas BNPL plans are initiated at the time a purchase is made, such as during online checkout.\r\n\r\n"}}" id="text-f35171dfc8" class="cmp-text"> Buy now pay later (BNPL) plans have become a popular option to allow people to spread a purchase amount over multiple smaller payments at the time a purchase is made. While this may sound similar to TD Payment Plans, these are in fact separate and distinct products with important key differences, including: TD Payment Plans are a feature of your credit card. As such, there is no new application or credit check required because you’re tapping into the existing credit you already have on your card. BNPL plans are a type of loan. They often require an application and a credit check, and any increased debt may impact your credit score. TD Payment Plan offers are accepted after a purchase has been made and is posted to your Account, whereas BNPL plans are initiated at the time a purchase is made, such as during online checkout. Legal\r\n"}}" id="text-8a6f0b939e" class="cmp-text"> Legal Ready to set up your TD Payment Plan? Set up in EasyWeb In a few simple steps, you’ll have more flexibility with paying down large purchases, thanks to a range of TD Payment Plan options. Sign in to EasyWeb Find out more about our TD Credit Cards\r\n"}}" id="text-24e256e99e" class="cmp-text"> Find out more about our TD Credit Cards Credit cards to fit my needs Explore all our credit cards and find the one that suits you best View all cards Add additional cardholders Share the benefits of your TD Credit Card Account with up to 3 additional cardholders Learn more Manage your credit card in the TD app Set transaction limits, block international purchases, or lock your credit card Learn more Automatically pay bills Set up Pre-Authorized Payments on your TD Credit Card and stay on top of your payments Learn more Have a question? Find answers here What's your question? Ask Us Popular questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular questions View morepopular questions Helpful related questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable. Sorry this didn't help. Would you leave us a comment about your search? Submit Thank you Back to top Find Us Help Back to top Contact Us Call us Book an appointment Give feedback Products Bank Accounts Credit Cards Mortgages Borrowing Personal Investing Insurance Ways to Bank TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange services Banking Advice TD Advice TD Calculators and Tools Digital banking tutorials Fraud prevention New to Canada Students About Us Who we are Our impact News and economics For investors Customer care Careers Privacy and Security Legal Accessibility CDIC Member About Us Careers Manage Online Experience Site Index Toronto-Dominion Centre – Corporate Office
66 Wellington Street West, Toronto, ON M5K 1A2 Canada Deposit Insurance Corporation\r\nYour deposits may be insurable by the Canada Deposit Insurance Corporation.\r\nLearn more\r\nCanada Investment Regulatory Organization (CIRO)\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.\r\nwww.ciro.ca\r\n"}}" id="text-959b1239e4" class="cmp-text"> Canada Deposit Insurance Corporation Your deposits may be insurable by the Canada Deposit Insurance Corporation. Learn more Canada Investment Regulatory Organization (CIRO) CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank. www.ciro.ca See you in a bit\r\n"}}" id="text-9b11cbd20f" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.\r\n"}}" id="text-333fa79c60" class="cmp-text"> You are now leaving our website and entering a third-party website over which we have no control. Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.\r\nThird-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.\r\n"}}" id="text-85a67fd483" class="cmp-text"> TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites. Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information. Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Youth Account Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Borrowing Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Community Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial Services 1 Prior to the conversion of the Purchase to a Payment Plan, interest at your Account's standard Annual Interest Rate for Purchases will apply to the Purchase.\r\n"}}" id="dest1" class="cmp-text"> 1 Prior to the conversion of the Purchase to a Payment Plan, interest at your Account's standard Annual Interest Rate for Purchases will apply to the Purchase. 2 Plan Total Interest is calculated based on your Original Purchase Amount plus the Payment Plan Fee Amount (if any). Plan Total Interest, Total Payment Plan Amount, and the Cost of Borrowing are based on you paying the Minimum Payments owing on your credit card account (inclusive of the applicable Monthly Payment Plan Amounts) on the due date each month.\r\n"}}" id="dest2" class="cmp-text"> 2 Plan Total Interest is calculated based on your Original Purchase Amount plus the Payment Plan Fee Amount (if any). Plan Total Interest, Total Payment Plan Amount, and the Cost of Borrowing are based on you paying the Minimum Payments owing on your credit card account (inclusive of the applicable Monthly Payment Plan Amounts) on the due date each month. 3 We reserve the right to offer Payment Plans only for certain transactions and to limit the maximum percentage of your credit limit on your account for Payment Plans. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears.\r\n"}}" id="dest3" class="cmp-text"> 3 We reserve the right to offer Payment Plans only for certain transactions and to limit the maximum percentage of your credit limit on your account for Payment Plans. Purchases cannot be converted into a Payment Plan after the Payment Due Date of the statement in which the purchase first appears. Restart Transcript TD Payment Plans is a feature of your TD credit card that provides another way to pay for your purchases with flexibility and control. Confidently manage your TD credit card purchases and make payments over a timeframe that works for you. It can help you make equal monthly payments on bigger purchases. Best of all, if you already made the purchase on your TD credit card, you can start creating a payment plan today. Conditions apply. Here’s how. Log in to your TD App and go to your credit card activity page where you can view all your transactions. Select the Payment Plans icon right above the activity tab. From here, read and Learn about TD Payment Plans and select Get Started. On this page, you’ll find a list of all your eligible purchases. Select the one you want to set up a TD Payment Plan for. We have selected the Computer Store purchase to use as an example. Next, determine which TD Payment Plan offer best suits your needs based on the number of months you want to pay off your purchase and applicable fees. Once you have selected your timeframe, select Continue. Create a plan name for this purchase. That way it’s easy for you to remember the purchase you converted into a Payment Plan. We’ve named this one Laptop. Next, confirm your email address and select Continue. Make sure you are using your current email address. Changing this email will update it across your entire TD profile. Here’s where you can review the summary of your TD Payment Plan. Then select Continue to go to the next screen. Read through the Terms and Conditions and select Accept & Submit to agree to the Payment Plan terms. And finally, your request will be sent in for processing. You will be notified within two business days what the status of your request is. You can also view your Payment Plans by going to the Payment Plans page of your Credit Card Account and select the All Plans tab. If you don’t have the TD mobile app, now is a great time to get it. TD. Ready to help you move forward. Restart Transcript FRAME 1: Here’s how to set up a TD Payment Plan for a TD Credit Card purchase. FRAME 2: Open the TD app, select your credit card and tap on 'Payment Plans'. FRAME 3: Choose the eligible purchase you want to pay with a TD Payment Plan. FRAME 4: Choose a 6, 12, or 18 month plan. Review the fee for each option. FRAME 5: Name your plan and confirm your email address. FRAME 6: Review Terms and Conditions, click 'Accept & Submit', and you’re set!
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标题：打工人增收记：一辆“春风”大巴上的流动中国 增收记 大巴 打工人 春风 李勇 陇西_手机网易网
简介：2月27日上午，一辆悬挂“陇西－南京就业直通车”条幅的大巴，跨越1500多公里，历经20多个小时，载着52名务工人员安全
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2026-02-28 03:57:56
综合导航
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标题：“旺夫相”揭秘：这几种相貌最能旺夫！_一世迷命理网
简介：人们相信相貌与命运息息相关，其中“旺夫相”更是备受关注。什么样的相貌被认为是旺夫相呢？一、面相分析：旺夫相的面部特征面相
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2026-02-28 09:26:27
综合导航
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标题：Best Ways To Buy Bitcoin And What To Do With It Bee Network
简介：人們逐漸對投資加密貨幣產生興趣，因此對比特幣的需求增加。無論有人對比特幣還是對投資一樣陌生，...
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2026-02-28 09:19:36
综合导航
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标题：京东(JD.COM)-正品低价、品质保障、配送及时、轻松购物！
简介：京东JD.COM-专业的综合网上购物商城，为您提供正品低价的购物选择、优质便捷的服务体验。商品来自全球数十万品牌商家，囊
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2026-02-28 08:46:46
运动健身
成功
标题：贫血的症状 - 云大夫
简介：贫血患者最常见的表现有头昏乏力、食欲下降等症状，有的患者也会出现心慌胸闷，上楼梯或者剧烈运动以后感觉体力明显下降。另外溶
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2026-02-28 01:46:45
综合导航
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标题：V6 Mechanical Basics [Archive] - Toyota MR2 Message Board
简介：Engine: There are too many to count as toyota used them in a
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2026-02-28 10:49:13
综合导航
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标题：上海16区升入四校、市重、区重、普高比例各占多少？-上海新王牌
简介：上海家长们都非常关注中考数据，今年普高录取率64%左右，没有传言中“一半孩子上不了高中”那么严重。但16区升入四校、市重
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2026-02-27 13:05:17
综合导航
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标题：AO/Safe - Filmdreh mit Cleo Gold in Aachen [Archiv] - BW7 Forum
简介：Am Mittwoch, den 14.12.2016 drehen wir im gesamten Spartakus
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2026-02-27 18:05:58
综合导航
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标题：JJMICROELECTRONICS
简介：JJM products are developed to meet a wide range of applicati
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2026-02-28 10:35:34
综合导航
成功
标题：Charles Joseph, Prince de Ligne (1735-1814). The Reader's Biographical Encyclopaedia. 1922
简介：Charles Joseph, Prince de Ligne (1735-1814). The Reader
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2026-02-28 11:45:56
综合导航
成功
标题：肺上长肿瘤需要切除吗 - 云大夫
简介：肺部长肿瘤要不要切除，取决于肿瘤的类型和病情的早晚。对于肺部良性肿瘤，只要患者身体状况允许，就应该尽早行手术治疗。对于晚
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2026-02-28 05:12:18
综合导航
成功
标题：Variolar. World English Historical Dictionary
简介：Variolar. World English Historical Dictionary
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2026-02-27 13:07:33
综合导航
成功
标题：PLS - Powering a sustainable energy future
简介：PLS is a leading ASX-listed company, owning 100% of the worl
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2026-02-28 02:06:59
综合导航
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标题：Gepäck
简介：Erfahren Sie alles rund um das Thema Gepäck. Wann und wo kön
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2026-02-28 06:26:54
综合导航
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标题：Refurbishing 1 Finsbury Avenue - Sir Robert McAlpine
简介：We refurbished a 1980s office building into a vibrant mixed
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2026-02-28 07:03:30
游戏娱乐
成功
标题：wow达拉然废墟快速前往方法_欢乐园游戏
简介：wow达拉然的废墟传送门在移除之后对于部落玩家的影响不大，因为幽暗城就在附近了，但对于联盟玩家来说，想要去到东部王国的北
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2026-02-28 04:01:14
综合导航
成功
标题：Iman Santoso Partner, Indirect Tax Services, PSS Consult EY Indonesia
简介：<p>Iman serves as Indirect Tax Services leader in EY Indones