past simple v.s. future simple

[Lost_Soul]

[Conchita]

I think you are mixing up three different expressions, LS:

1. The time has come + clause (or: The time has come (for something/someone) to + inf.)

2. It's time we + subjunctive

3. (We) have to + inf

Your last example should therefore read:

It's time we called it a day or
We have to call it a day, but not It's time we had to....

I hope I managed to shed some light.