solilet.blogg.se - Td bank online savings accounts

The TD FlexPay card doesn’t come with an introductory APR on purchases, so expect to pay interest on your charges right away if you carry a balance over from month to month. Balance transfer fees: The TD FlexPay card comes with an introductory APR on balance transfers, but it still charges a fee for balance transfers that you’ll need to take into account.No rewards on your spending: Many credit cards earn rewards on your charges of 1% or more, but the TD FlexPay card doesn’t offer this perk.No introductory APR on purchases: While the TD FlexPay offers a lengthy introductory APR on balance transfers, it doesn’t come with any promotional APR on purchases.No annual fee: The TD FlexPay credit card does not charge an annual fee.You can’t decide on this at the last minute, though - you’ll need to schedule your skipped payment in advance. Interest will still accrue on your balance, but there won’t be a late fee or penalty for skipping a payment. Option to skip a payment once per year: The TD FlexPay also offers the flexibility of skipping a payment once per year as long as your account is in good standing and has been open for at least six months.

Introductory APR of balance transfers for 18 months: The main benefit of the TD FlexPay card is the intro APR offer on balance transfers for 18 months.

You do not have to be a TD banking customer. One big drawback of the FlexPay is that only residents within TD Bank’s footprint, specifically in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia and Washington D.C. This credit card doesn’t offer an introductory APR on purchases, so if you carry a balance, TD will apply a 18.74% - 28.74% variable APR from the date you open your account. dollars, so it’s not a good choice for use abroad. The FlexPay also comes with foreign transaction fees of 3% of each transaction in U.S. After the intro period, the balance transfer fee increases $5 or 5% of the amount of each transfer, whichever is greater. It also charges an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the first 18 billing cycles after account opening. The card doesn’t earn rewards on your spending, for instance - although this puts it in good company with many other balance transfer cards. However, the TD FlexPay doesn’t offer much else.

It may also be a good fit for anyone with fluctuating income or expenses who wants the option of skipping a payment once per year. These features may be appealing if you’re looking to pay down high-interest credit card debt or looking for some breathing room in managing your credit card payments. It also offers late fee forgiveness once a year (although this forgiveness doesn’t protect your credit scores) and a skip a payment feature, which lets you skip one payment per year as long as your account is in good standing. It offers 0% intro APR for the first 18 billing cycles after account opening on balance transfers, then a variable APR of 18.74% - 28.74% applies on both balance transfers and purchases. The no-annual-fee TD FlexPay’s main function is as a balance transfer credit card. Recommended credit score: Not disclosed.Does the issuer offer a preapproval tool? No.Other perks and benefits: Option to skip a payment once per year, cellphone protection, extended warranty protection, purchase security, emergency card replacement.Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater.Balance transfer intro APR: 0% intro APR for the first 18 billing cycles after account opening.APR: 18.74% - 28.74% variable APR, depending on creditworthiness.low 18-month balance transfer offer and the penalty-free option to skip a payment once per year.

The card details on this page have not been reviewed or provided by the card issuer. If you’re carrying high-interest credit card debt, you may appreciate the TD FlexPay Credit Card * The information for the TD FlexPay Credit Card has been collected independently by Blueprint.