It's bad all right, My mastercard usually has a minimum payment thing, where the minimum payment would be zero if the balance owing is less than 2% of the credit line, I assume the same for the TD Gold, and guess what
TD charged me 50 bux for not paying an 8 dollar balance, apparently they have no such thing as minimum payment, or it's as bad as paying the whole thing
I'm in Toronto. I have no job at present. How to apply for a credit card?