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New cardholders receive a 0% intro APR on balance transfers for the first 18 billing cycles (followed by a 18.74%, 20.74%, 23.74%, 26.74% or 28.74% variable APR). It also comes with an introductory 0% APR that's on par with some of the best balance transfer credit cards.

It offers cardholders the opportunity to skip one card payment per year with no penalty (although interest is still charged on your balance). The TD FlexPay Credit Card is geared to those who occasionally find themselves cash-strapped and need a little wiggle room to get caught up.
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However, if you're the type of person who pays off their credit card in full each month or carries just a small balance, this is not the card for you. And not having to calculate credit card interest keeps things super simple. Having a predictable, fixed payment amount each month is handy if you find it hard to stick to a budget or have fluctuations in your income. $2,000 credit limit: $20 monthly fee and $70 minimum monthly payment (includes the monthly fee).$1,000 credit limit: $10 monthly fee and $45 minimum monthly payment (includes the monthly fee).The credit lines available aren't huge, however.

And you won't pay foreign transaction fees, cash advance fees, late fees, or balance transfer fees either - just a single monthly fee. Instead of being charged interest, you'll pay a flat monthly fee for your credit line and have a fixed minimum payment amount. The TD Clear is effectively a subscription-based credit card.
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I've got an advantage in that I'm a software engineer. I've personally gone through the entire process to its inevitable conclusion, starting with plain reminders on my phone, moving to text files (infinite customizability! But also very little functionality!), then 2Do and GoodTask for iOS which both had tons of customization options, and finally culminating in basically making my own todo app in TiddlyWiki. (No federation and a bizarre storage approach though.) (haven’t looked at the homepage in years, the current one seems kind of awful and not really bite-sized unfortunately).

IMO TiddlyWiki is a much better implementation of this UI idea of bite-sized, heavily linked text (card catalog?) with multiple simultaneously visible entries.
