It didn’t take long for a little piece of plastic to become fully integrated into Canadian life. In 1968 Chargex, the first all-purpose credit card issued in Canada, made its debut. In 1979 the name Chargex was retired in favor of Visa, and more than six million customers were relying on the card within a decade. Mastercharge appeared in 1973, an instrument of The Bank of Montreal. Known today as MasterCard, its usage tops that of Visa, which in 2008 reported its circulation of credit cards at approximately 31 million throughout Canada.
Today there are more than 200 Canada credit cards from which to choose. There are standard credit cards that can be sub-categorized into gold cards, platinum cards, and titanium cards. Some cards offer cash back, frequent flier miles or low interest rates. There are cards specialized for students, cards specialized for American usage, and secured cards for those with poor credit or no credit at all.
When faced with all those options, choosing a Canada credit card can seem like a daunting task. To save time and make more informed choices, examine the Financial Consumer Agency of Canada (FCAC) website, operated by the Canadian government. You can explore the site’s database to contrast and compare the many credit card options available, and find the card that best meets your particular needs.
Whichever credit card you settle on, use it responsibly. Remember that your credit activity (for example, applying for a loan) is shared with Canada’s two credit reporting companies, Equifax and TransUnion. Each company assigns you a three-digit number that serves as your credit score. The higher your score the better your chances are of qualifying for additional lines of credit, or an increased spending limit on your credit card. You can increase your score by making timely payments on your credit card. And it’s never been easier to do that and more thanks to TD Canada Trust Credit Card Payment Online.
Known as EasyWeb, the system enables you to make credit card payments online as well as pay your utilities, house tax and insurance bills. The Pay Bills option allows you to receive your bills or statements online, make electronic payments to over 5,000 companies across Canada, and set up recurring payments for future dates. You can also post-date bill payments for up to 12 months. Do your banking from your home, at work, or wherever you have Internet access.
To register for EasyWeb all you need is a TD Canada Trust Access Card and a supported web browser with 128-bit encryption. Visit your nearest TD Canada Trust branch, call the 800 number listed at the website, or register online. Once approved, you can log on to EasyWeb with your TD Canada Trust Access Card and your EasyWeb password.
Using EasyWeb offers a lot of advantages. But the biggest advantage to using TD Canada Trust Credit Card Payment Online might be this: All these services are provided free of charge! (Remember that fees can be incurred depending upon the type of transaction(s), involved, the type of account you have, and your account standing.)
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