Where to send your TJX Rewards payment
TJX Rewards is the credit card issued by Synchrony Bank for purchases at TJ Maxx, Marshalls, HomeGoods, and Sierra. You can pay your bill online through your Synchrony account, by phone, by mail, or in person at any TJ Maxx or Marshalls store. The fastest and most common method is online through the Synchrony website or mobile app, where you can see your balance and make a payment in minutes.
If you prefer not to use the website, you can call Synchrony's customer service number (found on the back of your card) to make a payment over the phone. Mail payments should be sent to the address listed on your monthly statement. In-store payments at TJ Maxx or Marshalls are also an option, though this method is slower if you need the payment to post quickly.
Key Takeaways
- Online payment through Synchrony's website or app is the fastest way to pay and typically posts within one business day.
- Phone payments can be made by calling the number on your card, and you will need your account number and payment amount ready.
- Mail payments take seven to ten business days to reach Synchrony, so send them well before your due date to avoid late fees.
- Your payment due date is listed on your monthly statement, and paying at least the minimum by that date keeps your account in good standing.
Setting up automatic payments
Synchrony allows you to set up automatic payments from your bank account through their website. You can choose to pay your full balance, a fixed amount, or just the minimum due each month. Automatic payments remove the risk of forgetting a due date and can help you avoid late fees and interest charges.
To set up automatic payments, log into your Synchrony account, go to the payment settings section, and link your bank account. You will need your routing number and account number. Once set up, the payment will be deducted on the date you choose each month, as long as your bank account has sufficient funds.
Payment timing and when money posts
Online and phone payments typically post to your account within one business day. If you pay online before 8 p.m. Eastern Time on a business day, the payment usually posts the next day. Payments made after 8 p.m. or on weekends and holidays may post the following business day.
Mail payments take longer — usually seven to ten business days from the time Synchrony receives them. If your due date is approaching, mail is not a reliable option. For payments that must post by a specific date, use online or phone payment instead. Your statement will show the date your payment was received and when it posted to your account.
Late payments and what happens if you miss the due date
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount of the late fee depends on your account history and the terms of your card agreement. Missing a payment also triggers interest charges on your remaining balance if you carry one.
A late payment can also be reported to credit bureaus and may lower your credit score. If you realize you will miss a due date, contact Synchrony as soon as possible. Some cardholders have been able to negotiate a waived late fee if they have a good payment history, though this is not may provide. The sooner you contact them, the better your chances.
Paying more than the minimum
Your statement shows a minimum payment amount, but you can pay more at any time without penalty. Paying more than the minimum reduces the interest you owe on your balance and helps you pay off the card faster. If you carry a balance, paying above the minimum is the most effective way to lower your total interest cost.
Some cardholders pay their full statement balance each month to avoid interest entirely. Others make multiple payments throughout the month as they have funds available. Synchrony does not charge extra fees for paying early or paying more than once per month, so you have flexibility in how you manage your payments.
Disputing a charge or payment issue
If you see a charge on your TJX Rewards bill that you did not make, or if a payment you sent does not appear on your account, contact Synchrony right away. You can dispute unauthorized charges through your online account or by calling customer service. Synchrony will investigate and may issue a temporary credit while they look into the matter.
For payment issues — such as a payment you sent by mail that never posted — keep records of when you sent it and how much it was for. If the payment does not show up within the expected timeframe, call Synchrony with this information. They can trace the payment and correct your account if there was an error on their end.
Frequently Asked Questions
Can I pay my TJX Rewards card at the store?
Yes, you can make a payment in person at any TJ Maxx or Marshalls location. However, this method is slower than online or phone payment, and you should not rely on it if your due date is soon. Online or phone payment is faster and more reliable for meeting your due date.
What happens if I pay online but the payment does not post by my due date?
If you pay online before the cutoff time on a business day, the payment should post by the next business day, which is usually before your due date. If it does not post on time due to a system error, contact Synchrony when ready with proof of your payment. They may waive the late fee if the delay was their error.
Can I set up a payment plan if I cannot pay my full balance?
Synchrony requires you to pay at least the minimum amount by your due date. If you cannot afford even the minimum, contact Synchrony to discuss your options. They may be able to work with you, though they cannot reduce what you owe — only the payment terms.
Is there a fee for paying online or by phone?
No, Synchrony does not charge a fee for online or phone payments. Mail payments are also free. In-store payments at TJ Maxx or Marshalls are also free. You only pay fees if you miss your due date or if you use a third-party payment service outside of Synchrony's system.
How do I know if my payment went through?
After you make an online or phone payment, you will receive a confirmation number. Log into your Synchrony account within one business day to confirm the payment appears on your statement. If you paid by mail, allow seven to ten business days and then check your account. Contact Synchrony if a payment you made does not show up within the expected timeframe.