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What happens if my TD Credit Card payment is late?

You are required to pay at least the Minimum Payment shown on your statement on or before each Payment Due Date. If you do not make a payment, or your payment is less than the Minimum Payment amount, you will be charged interest on the outstanding balance and this may be reported as a missed payment to the credit bureau. In addition, a hold may be placed on the credit card while the account is past due.

If we do not receive the Minimum Payment within 30 days from the Payment Due Date, then:

  • The annual interest rate will increase per your Cardholder Agreement
  • You will lose the benefit of any lower rate promotional offer on the Account

To report a late payment or to discuss payment arrangements, please contact TD Credit Cards where one of our Customer Service Specialists will be happy to speak with you.

To help save you time, call us using the TD app. Doing this is a secure way to help get your call prioritized. Simply login to the TD app, scroll to the bottom of the home screen and select Contact Us > Call us.

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