Paying your credit card bill on time each month is an important part of maintaining good credit and avoiding late fees. If you have a TJ Maxx credit card you have a few convenient options to pay your bill. In this comprehensive guide, we’ll walk through the easiest ways to pay your TJX Rewards® Credit Card or TJX Rewards® Platinum Mastercard® bill online over the phone, or by mail.
Pay Your TJ Maxx Credit Card Bill Online
The easiest and quickest way to pay your TJ Maxx credit card bill is online. To pay online, you’ll need to have an online account set up with your credit card issuer, Synchrony Bank.
Here’s how to get started with online bill pay
- Go to tjxrewards.com and click on “Register Your Card” if you do not already have an online account. This is where you can manage your TJ Maxx credit card account.
- Provide some personal information such as your name, address, Social Security number, and card number to verify your identity.
- Create a username and password. Be sure to choose a strong password you don’t use for other accounts.
- Once your online account is set up, you can log in anytime and click “Pay Bill” to make a payment.
- Enter your payment amount and date. You can pay the minimum amount due, total balance, or any amount in between.
- Enter your bank account information to pay from your checking or savings account.
- Review the payment details and submit the payment.
It’s that easy! With online bill pay, you can schedule one-time payments or set up recurring automatic payments each month. Your payment will usually process within 1-2 business days.
You can also view statements, check your balance, update account information, and more anytime by logging into your TJ Maxx credit card account online. Setting up online access makes managing your account quick and convenient.
Pay by Phone
If you prefer to speak to a live representative, you can pay your TJ Maxx credit card bill conveniently over the phone.
To make a payment by phone:
- Call the number on the back of your credit card:
- For TJX Rewards® Platinum Mastercard®: 1-877-890-3150
- For TJX Rewards® Credit Card: 1-800-952-6133
- When prompted, select the “Pay Bill” option.
- You will need to verify some personal information like your name, address, card number, and security code.
- Indicate whether you want to pay the minimum, full balance, or a custom amount.
- Provide your bank account information for payment.
- The representative will process and confirm your payment.
Paying by phone is easy to do on the go or if you don’t have time to login and pay online. Just call when it’s convenient for you. Live agents are available 24/7 to assist with quick credit card payments over the phone.
Pay Your Credit Card Bill by Mail
You can also mail your TJ Maxx credit card payment if you prefer. Here’s how to pay by mail:
- Make your check or money order payable to Synchrony Bank.
- Include your 16-digit credit card account number written clearly.
- Indicate the payment amount on the memo line. Do not send cash.
- Mail your payment to the address listed on your monthly statement. The general mailing address is:Synchrony BankP.O. Box 960061Orlando, FL 32896-0061
Keep in mind that mailing a payment takes longer to process than paying online or by phone. Make sure to mail your payment several days before the due date to avoid late fees.
Once your mailed payment is received and processed by Synchrony Bank, the payment will be applied to your account, usually within 5 business days.
Other Ways You CanNOT Pay Your TJ Maxx Credit Card
While online, phone, and mail payments are accepted, there are a couple methods you cannot use to pay your TJ Maxx credit card:
- In person at a TJ Maxx store – TJ Maxx retail stores are not able to accept credit card payments. You’ll need to use one of the other payment options.
- With another credit card – You cannot pay your TJ Maxx credit card bill with another credit card for payment. However, you can use a debit card or link a bank account online to make payments.
- With TJ Maxx gift cards – While you can use TJ Maxx gift cards to make purchases in-store and online, you cannot use them to pay your credit card bill directly.
Stick to the online, phone, or mail options to easily pay your TJX Rewards credit card on time each month.
Tips for Hassle-Free TJ Maxx Credit Card Payments
Follow these tips and best practices to make sure your TJ Maxx credit card bill gets paid on time each month without any hassles:
- Set up automatic payments – For no-hassle payments, set up automatic recurring payments through your online account to pay at least the minimum amount due each month.
- Update your payment and contact information – To avoid declines or issues processing your payment, keep your credit card account information up to date online or through the mobile app.
- Pay more than the minimum when possible – Paying only the minimum payment results in more interest charges over time. Pay above the minimum when you can to pay off your balance faster.
- Schedule payment reminders – Use calendar alerts, apps, or email reminders to remember when your bill is due each month to avoid late fees.
- Review statements regularly – Log into your account often to review transactions and quickly catch any fraudulent charges or billing errors.
- Avoid missing payments – Set up autopay or mail payments in advance when traveling or if you’ll be away around your due date. A missed payment can negatively impact your credit score.
- Ask for help if needed – If you’re ever having trouble making payments, contact customer service right away for assistance before your account becomes delinquent.
Benefits of the TJX Rewards Credit Cards
When you pay your bill on time each month, you can maximize the rewards and benefits offered by the TJ Maxx credit cards:
- Earn 5% back – Get 5% back in Rewards (5 Points per $1 spent) when you use your TJX Rewards card at T.J. Maxx, Marshalls, HomeGoods, Sierra, and Homesense stores online and in person.
- Earn 1% back elsewhere – TJX Rewards Platinum Mastercard holders earn 1% back (1 Point per $1 spent) on purchases made everywhere else Mastercard is accepted.
- Introductory discount – Get 10% off your first TJ Maxx in-store purchase when you open a new credit card account.†
- Exclusive perks – Enjoy discounts, early access to sales, sweepstakes entries, and other member-only perks.
- No annual fee – The TJX Rewards credit cards have no annual fee to enjoy all of the shopping rewards and benefits.**
- Simple rewards redemption – Rewards Certificates can be easily applied to purchases made online or in-stores. Digitally linked cards allow for quick scanning and redemption through the TJ Maxx app.
When you pay on time and take advantage of all the perks, the TJX Rewards credit cards offer an easy way to save money on purchases across all of your favorite TJX brands.
FAQs About TJ Maxx Credit Card Bill Pay
How can I check my TJ Maxx credit card balance?
Log into your online account at tjxrewards.com or use the TJX Rewards app to quickly view your up-to-date balance and available credit.
What do I do if I lost my TJ Maxx credit card?
If your card is lost or stolen, immediately call Synchrony Bank to report it so your account can be frozen for security. You can continue managing your account and make payments online or by phone without your physical card number.
What is the best way to avoid late fees?
Set up automatic payments or calendar reminders so your bill gets paid on or before the due date each month. Even being one day late can result in a penalty fee, so build a cushion by paying a few days early.
Can I pay using a debit card or PayPal instead of a bank account?
Yes, you have the option to use a debit card or link a PayPal account to pay your credit card bill online. PayPal and debit payments are usually processed faster than bank account payments.