Where to send your TJ Maxx credit card payment
Your TJ Maxx credit card is issued and managed by Synchrony Financial, so payments go to Synchrony, not to TJ Maxx directly. You have three main ways to pay: online through your Synchrony account, by phone, or by mail. The fastest route is online, where payments post within one business day.
To pay online, log into your Synchrony account at mysynchrony.com using your card number and PIN or password. From there, you can make a one-time payment or set up automatic payments on a date you choose each month. If you do not have an online account yet, you can create one on the same site using your card number and Social Security number.
If you prefer not to use the website, you can call Synchrony's payment line at the number on the back of your card. A representative can process a payment over the phone using your bank account or debit card. Payments made by phone typically post within one to two business days.
Key Takeaways
- Synchrony Financial issues the TJ Maxx credit card, so you send payments to Synchrony, not to TJ Maxx.
- Online payments through mysynchrony.com post within one business day and are the fastest option.
- You can also pay by phone using the number on your card, or by mail to the address listed on your statement.
- Setting up automatic monthly payments through your Synchrony account prevents missed due dates.
- Payments made before 8 p.m. Eastern time on a business day usually post the next day.
Paying online through your Synchrony account
The online payment method gives you the most control and the fastest posting time. Go to mysynchrony.com and sign in with your card number and password. On your account dashboard, you will see your current balance, due date, and a "Make a Payment" button or link.
When you click to make a payment, you will choose the amount you want to pay and the date you want it to post. Synchrony lets you pay any amount from the minimum due up to your full balance. If you want the payment to post on a specific date, enter that date when prompted—Synchrony will deduct the funds from your bank account on that day.
After you confirm the payment, Synchrony shows you a confirmation number. Write this down or take a screenshot. The payment posts to your account within one business day, and you can check your updated balance by logging back into your account.
Paying by phone or mail
If you do not have internet access or prefer to speak with someone, call the number on the back of your TJ Maxx credit card. A Synchrony representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Payments made by phone post within one to two business days.
To pay by mail, write a check or money order payable to Synchrony and include your account number on the check. The mailing address is on your monthly statement. Mail payments take seven to ten business days to post, so send your payment at least two weeks before your due date if you want to avoid late fees.
Keep a record of your confirmation number (if paying by phone) or a copy of your check (if paying by mail). If a payment does not post within the expected timeframe, you can contact Synchrony with this information to track it down.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into mysynchrony.com, go to your account settings, and look for "Automatic Payments" or "Recurring Payments." You will choose the amount (minimum due, a fixed amount, or your full balance each month), the day of the month you want it to post, and the bank account to deduct from.
Synchrony will deduct the payment automatically on that date each month. You can change or cancel the automatic payment at any time by logging back into your account. If your due date falls on a weekend or holiday, Synchrony processes the payment on the next business day.
Many cardholders set automatic payments for the full balance each month to avoid interest charges. Others set it for the minimum due and make extra payments when they can. Either way, automatic payments mean you will not accidentally miss a payment and damage your credit score.
Payment timing and posting dates
The day your payment posts affects your account balance and your interest charges. Payments made online before 8 p.m. Eastern time on a business day post the next business day. Payments made after 8 p.m. or on a weekend or holiday post on the next business day after that.
Your statement shows a due date, which is usually 21 to 25 days after your statement closes. As long as your payment posts by the due date, you will not be charged a late fee. If your payment posts after the due date, Synchrony charges a late fee (the amount varies by your card terms) and may report the late payment to credit bureaus.
If you are cutting it close to your due date, pay online rather than by mail or phone. Online payments post fastest and give you the best chance of meeting the important date.
What to do if you cannot pay the full balance
If you can only pay part of your balance, pay at least the minimum due by the due date. This keeps you from being charged a late fee and protects your credit score. The minimum due is shown on your statement and in your online account.
Any balance you do not pay will be charged interest at your card's APR (annual percentage rate). The interest accrues daily on the unpaid balance, so paying more than the minimum saves you money over time. If you are struggling with a large balance, contact Synchrony to ask about hardship programs or payment plans—some cardholders are able to negotiate lower interest rates or extended payment terms.
Frequently Asked Questions
How do I know if my payment went through?
Log into mysynchrony.com and check your account balance and recent transactions. Your payment should appear within one business day of posting. You can also call the number on your card to confirm the payment was received. Keep your confirmation number from the payment for your records.
Can I pay my TJ Maxx credit card at a TJ Maxx store?
No, TJ Maxx stores do not accept credit card payments. You must pay through Synchrony online, by phone, or by mail. Some stores may accept payment for merchandise purchases, but not for paying down your card balance.
What happens if I miss my due date?
Synchrony charges a late fee (the amount depends on your card terms) and reports the late payment to credit bureaus, which can lower your credit score. If you miss a payment, pay as soon as you can. One late payment is less damaging than multiple missed payments, and your score will recover over time if you pay on time going forward.
Can I set up automatic payments for different amounts each month?
No, automatic payments are set to a fixed amount or a fixed option (like minimum due or full balance). If you want to pay different amounts each month, make one-time payments online or by phone instead. You can change your automatic payment amount at any time through your account settings.
Is there a fee to pay my credit card bill?
No, Synchrony does not charge a fee for paying your TJ Maxx credit card online, by phone, or by mail. All payment methods are free. Some third-party payment services may charge a fee, but paying directly through Synchrony costs nothing.