TD Bank is introducing its TD “Payment Plus” Credit Card to help customers who carry a balance manage their money by offering rewards for responsible credit card payment behavior. The card gives users the opportunity to receive a monthly credit provided they make a payment of at least 5% of their outstanding balance by the payment due date with a standard interest rate. TD Bank “Payment Plus” helps users become more responsible for interest charges and debt obligations; offers the flexibility to choose to make a larger payment and get an interest-charge savings without getting locked into payment terms that may not be right for their budget; and rewards them for paying down balances. The new card also offers automatic rewards if they make a payment larger than the minimum balance.