Pay your TJMaxx credit card online, by phone, or by mail
You can pay your TJMaxx credit card bill through three main routes: the Synchrony Bank website (which handles the card), by phone, or by mailing a check. The online method is fastest and shows your payment when ready. Phone payments work the same day if you call before the cutoff time. Mail takes 7 to 10 business days to reach the payment processor, so plan ahead if your due date is soon.
Your bill arrives by mail or email depending on how you set up your account. The due date is printed on your statement. If you miss the due date, you will owe a late fee and interest will accrue on your balance.
Key Takeaways
- Pay online through Synchrony Bank's website by logging into your account with your card number and PIN or password.
- Call the customer service number on the back of your card to pay by phone; payments post the same business day if made before 8 p.m. Eastern time.
- Mail payments to the address shown on your statement; allow 7 to 10 business days for the check to arrive and be processed.
- Set up automatic payments through Synchrony to avoid missing a due date, though you remain responsible if the payment fails.
- Late payments trigger a fee and interest charges, so confirm your payment posted before the due date passes.
Pay online through the Synchrony website
Go to mysynchrony.com and select "Log In" at the top of the page. Enter your card number and your password or PIN. If you have not set up an online account yet, click "Enroll Now" and follow the prompts to create one using your card number, Social Security number, and date of birth.
Once logged in, look for "Make a Payment" or "Pay Now" on your account dashboard. Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Choose the payment date (same day or a future date). Review the details and confirm. The payment will post to your account when ready if you pay the same day, or on the date you selected.
Keep the confirmation number that appears on screen. If you do not see it, check your email for a receipt. This number proves you made the payment if there is ever a dispute.
Pay by phone with a customer service representative
Call the number on the back of your TJMaxx credit card. A representative will ask for your card number and the last four digits of your Social Security number to verify your identity. Tell them the amount you want to pay and the date you want it to post.
Payments made before 8 p.m. Eastern time on a business day will post the same day. Payments made after 8 p.m. or on a weekend or holiday will post the next business day. Ask the representative for a confirmation number and write it down.
Phone payments are useful if you have questions about your balance or need help deciding how much to pay, but they take longer than paying online because you have to wait for a representative.
Mail a check to Synchrony
Write a check for the amount you owe. On the memo line, write your TJMaxx credit card number so the payment is matched to your account. Include your account number on the check itself as well.
The mailing address is printed on your statement. Mail the check at least 10 business days before your due date to account for postal delays. Synchrony processes mail payments during business hours, so a check that arrives on a Friday may not be processed until Monday.
Do not mail cash. If your check is lost in the mail, you will have no proof of payment. Keep a copy of the check or take a photo of the front and back before you mail it.
Set up automatic payments to avoid missed due dates
Log into your Synchrony account at mysynchrony.com. Look for "Automatic Payments" or "Autopay" in the account settings menu. Select the amount you want to pay each month — you can choose the full balance, the minimum payment, or a fixed dollar amount. Choose the date you want the payment to come out each month.
Synchrony will withdraw the payment from your bank account on that date each month. This removes the risk of forgetting a due date, but you are still responsible if the payment fails because your bank account does not have enough money. Check your account regularly to make sure the payment posted.
You can change or cancel automatic payments at any time through your Synchrony account. If you cancel, you will need to pay manually again.
What to do if your payment does not post
Log into your Synchrony account and check the "Payment History" or "Recent Activity" section. Look for your payment in the list. If it shows as "Pending," it will post within one to two business days. If it shows as "Failed" or "Declined," call the customer service number on the back of your card right away.
A payment can fail if your bank account does not have enough funds, if the account number was entered incorrectly, or if your bank flagged the transaction as suspicious. The representative will tell you why the payment failed and help you make a new one. If you are close to your due date, ask if they can waive the late fee if the failure was not your fault.
If you mailed a check and it has been more than 10 business days since you sent it, call Synchrony to confirm they received it. If they did not, you may need to stop payment on the original check and send a new one.
Frequently Asked Questions
Can I pay my TJMaxx credit card at a TJMaxx store?
No. TJMaxx stores do not accept credit card payments. You must pay through Synchrony Bank online, by phone, or by mail. Some stores may have a Synchrony representative on certain days, but they can only help you open a new account or answer questions — they cannot process payments.
What is the minimum payment and when is it due?
Your minimum payment is shown on your monthly statement. It is usually 1 to 3 percent of your balance, plus any fees and interest. The due date is also on your statement, typically 20 to 25 days after the statement closes. If the due date falls on a weekend or holiday, it moves to the next business day.
Will paying early hurt my credit score?
No. Paying early or paying more than the minimum has no negative effect on your credit. In fact, paying on time and keeping your balance low relative to your credit limit can improve your score over time.
What happens if I pay late?
You will owe a late fee (the amount varies but is usually $25 to $40) and interest will accrue on your balance at your card's annual percentage rate. The late payment will also be reported to credit bureaus and may lower your credit score. If you are more than 30 days late, Synchrony may freeze your account.
Can I pay someone else's TJMaxx credit card bill?
Yes, if you know their card number and have permission. You can pay online or by phone using their card number. If you mail a check, write the cardholder's account number on the check so it is applied to the right account. The cardholder should confirm the payment posted to their account.