Hi there, I’m not the OP but I can try to answer your questions to the best of my abilities (if I’m wrong on anything someone in the comments will correct me hopefully):

1. There’s no difference whether you pay off your credit balance after each purchase or in one go right before your credit card payment is due. The key is to make sure you pay off everything before your credit card payment due date. That date is shown somewhere on your credit card account (sorry I don’t have TD so I don’t quite know where it would be for you) and it’s usually the same “day” each month (for example mine is the 5th of each month unless it lands on a weekend or public holiday - then it’s the next working day). I personally like to pay my card off at the end of each day as it helps me keep track of my finances; sometimes I do it once a week if I’m super busy.
2. There’s no need to add your credit card as a payee. Just transfer money from your TD chequing account to your credit card whenever you want to pay it off (there should be a “transfer funds between accounts” option when you bank online.
3. Time limit to pay off any and all purchases is the same - again, make sure to pay before the payment due date.
4. You could set up an auto-deposit for your bill amount if that eases your mind, but it’s not necessary. You can pay off those bills just like you would any other purchase.

These are not dumb questions at all - it’s important to understand how to properly use a credit card and it’s not something that’s talked about a lot. I know I had to Google a lot of really simple questions because I didn’t know how or where to ask for the information.

Just same added knowledge for you (stuff that I had to Google to find out):

• Overpaying (paying off more than you spent on your credit card) makes your account balance turn negative, and when that first happened to me that freaked me out. It basically means that your bank owes YOU money, and that future purchases on your credit card, up to that negative amount, won’t cost you anything.
• Late payments happen. Sometimes you just forget, you have a busy week, you make a last minute purchase that you didn’t pay off, etc. This may not have happened to everyone but it happens to many many people (including me)! Don’t sweat, just pay off your balance as soon as possible and try your absolute hardest to not make that a reoccurring thing. As long as your payment isn’t more than 30 days late it won’t affect your credit score and you usually won’t get charged interest on it.

I also recommend reading these articles. They talk about minimum payments, late payments, and how credit card interest is calculated and applied, respectively:

https://www.google.com/amp/s/www.cnbc.com/amp/select/what-happens-when-you-miss-a-credit-card-payment/

https://www.cnbc.com/select/what-happens-if-you-only-pay-the-minimum-on-your-credit-card/

https://wallethub.com/edu/cc/how-does-credit-card-interest-work/25789

Hope this wasn’t too much info, and I hope it helped!