TD FlexPay

The TD FlexPay Credit Card offers you one month off, once a year, from making a payment.

The TD FlexPay Credit Card offers you one month off, once a year, from making a payment. Once in a 12-month billing cycle you get to skip your monthly payment! Choose any month you want (has to be scheduled beforehand). The skipped payment will not incur a late fee or a late payment mark on your credit. TD simply wants to provide you with some breathing space. In addition, TD will automatically refund your first late fee each year. However, the late payment may result in a negative mark on your credit (unless it was scheduled beforehand to be skipped as described above) .