Pay Your T.J. Maxx Card Online, by Phone, or by Mail
You can pay your T.J. Maxx credit card bill through three main routes: the T.J. Maxx website, by phone, or by mailing a check. The fastest method is online through your account portal, where you can make a one-time payment or set up automatic payments. Phone payments take a few minutes and connect you directly to a representative. Mail payments take 7 to 10 business days to reach the processing center, so plan ahead if you are close to your due date.
Your payment due date appears on your monthly statement and in your online account. Payments made online or by phone are usually posted the same business day. If you mail a payment, the post office date matters — payments postmarked by the due date are considered on time, even if they arrive later.
Key Takeaways
- Online payments through the T.J. Maxx website are the fastest method and post within one business day.
- You can set up automatic monthly payments so your bill is paid on the same date each month without you having to remember.
- Phone payments are available 24/7 by calling the number on the back of your card or your statement.
- Mailed payments must be postmarked by your due date to avoid late fees, and take 7 to 10 business days to process.
- Your account shows your current balance, minimum payment due, and due date at any time online or by calling customer service.
Pay Online Through Your T.J. Maxx Account
Log in to your T.J. Maxx credit card account on the T.J. Maxx website. Click on the payments section — this is usually labeled "Make a Payment" or "Pay Your Bill" in the main menu. Enter the amount you want to pay (you can pay the full balance, the minimum, or any amount in between) and confirm your payment method.
The system will show you a confirmation screen with the payment amount, the date it will post, and your new balance after the payment clears. Online payments post within one business day. If you pay before 11:59 p.m. Eastern time on a business day, it typically posts the next morning. Payments made on weekends or holidays post on the next business day.
If you do not have an online account yet, you can create one on the T.J. Maxx website using your card number and other identifying information from your statement. Once your account is set up, you can pay anytime without logging in again.
Set Up Automatic Monthly Payments
Automatic payments remove the need to remember your due date each month. In your online account, look for "Automatic Payments" or "Recurring Payments" in the payment settings. Select the date you want the payment to come out each month — most people choose the due date or a few days before it.
You can choose to pay your full statement balance, your minimum payment, or a fixed dollar amount each month. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be charged a late fee. You can change or cancel automatic payments anytime through your account.
Automatic payments are useful if you want to avoid late fees and do not want to think about your bill. However, if your balance changes significantly from month to month, you may want to review the amount each month to make sure you are paying what you intend.
Pay by Phone
Call the customer service number on the back of your T.J. Maxx credit card or on your monthly statement. A representative will ask for your card number and the amount you want to pay. You will need to provide a checking or savings account number if you are paying from a bank account, or a debit card number if you are using a debit card.
Phone payments are available 24 hours a day, 7 days a week. The payment posts within one business day, the same as online payments. There is no fee for paying by phone. The entire call usually takes 3 to 5 minutes.
Keep a record of the confirmation number the representative gives you. Write down the date you called, the amount you paid, and the confirmation number in case you need to follow up on the payment later.
Pay by Mail
Write a check for the amount you owe and include your account number on the check. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive and be processed. Your payment is considered on time if it is postmarked by your due date, even if it arrives after that date. To be safe, mail your payment at least 10 days before your due date. Keep a copy of the check or a photo of it for your records.
If you are paying off a large balance or paying close to your due date, mailing is the riskiest method because delays in the mail system can cause your payment to arrive late. Online or phone payments are better choices when timing is tight.
What Happens If Your Payment Is Late
A payment is late if it is not received by 5 p.m. Eastern time on your due date. If your payment is late, you will be charged a late fee on your next statement. Late fees vary but are typically $25 to $40 depending on your account history. A late payment also appears on your credit report and can lower your credit score.
If you miss a payment, pay as soon as you realize it. The sooner you pay, the less interest will accrue on your balance. If you are having trouble making your payment, call customer service to discuss your options — some cardholders can arrange a payment plan or a temporary adjustment to their due date.
If your payment is more than 30 days late, your interest rate may increase and your credit limit may be reduced. Staying current on your payments protects your credit and keeps your account in good standing.
Frequently Asked Questions
Can I pay my T.J. Maxx card with a credit card or another card?
No. T.J. Maxx only accepts payments from a checking or savings account, a debit card, or by mailed check. You cannot pay with another credit card. If you do not have a bank account, you can pay by mail with a check or money order.
What is the minimum payment I have to make?
Your minimum payment appears on your monthly statement and in your online account. It is usually 1% to 3% of your total balance, plus any fees and interest. Paying only the minimum means you will pay interest on the remaining balance and take much longer to pay off your card.
Can I get my due date changed?
Some cardholders can request a due date change by calling customer service. The new date must be at least 21 days after the statement closing date. Not all accounts are may be able to access, so ask a representative whether your account qualifies and what the process is.
What if I overpay my balance?
If you pay more than your total balance, the extra amount becomes a credit on your account. You can use this credit toward future purchases, or you can request a refund by calling customer service. Refunds are usually mailed as a check within 7 to 10 business days.
Is there a fee for paying online or by phone?
No. T.J. Maxx does not charge a fee for online or phone payments. Mailed payments are also free. The only cost is the postage stamp if you mail a check.