When retail purchases of personal items are charged in full to a TD Visa Card, Purchase Security and Extended Warranty Protection insures them automatically from damage, loss, fire or theft for up to 90 days from the purchase date. For items that include a manufacturer's warranty, the warranty period may be doubled for up to one additional year. Many credit cards give you a grace period, which is the length of time from the date your purchase is charged to your card to the date when you have to make a payment in full with no interest accruing for that period. Grace periods can vary from two weeks to a month. If you fail to pay in full by the payment due date interest is charged from the date the purchase is charged to the card.
Many credit cards offer a variety of benefits associated with car ownership and automobile travel.
With classic Visa cards, there may be a small fee to receive these benefits, while some Gold Visa Cards include them at no extra charge. If other members of your family require credit cards, you may want to have them on the same account as yours. All you need to do is request Supplementary Cards. Remember that you are solely responsible for the account, even though the cards are being used by others in your family. The GM Card offers up to 2 free Supplementary Cards.