Where to sign in to your T.J. Maxx credit card account
The T.J. Maxx credit card is issued by Synchrony Bank, not by T.J. Maxx itself. This means you sign in through Synchrony's portal, not through the T.J. Maxx website. Go to mysynchrony.com and enter your username and password on the main login page.
If you do not have a username yet, you will need to create one before you can sign in. Synchrony will ask for your Social Security number, date of birth, and the last four digits of the card number associated with your account. This information confirms your identity before you set up login credentials.
Once you are signed in, you can view your balance, make payments, review your statement, and update your account details. The portal also shows your available credit and recent transactions.
Key Takeaways
- T.J. Maxx credit card accounts are managed by Synchrony Bank, so you sign in at mysynchrony.com, not at tjmaxx.com.
- First-time users must create a username and password using their Social Security number, date of birth, and the last four digits of their card.
- From your signed-in account, you can pay your bill, check your balance, view statements, and see your available credit.
- If you forget your password, Synchrony offers a password reset option on the login page that uses your email or phone number to verify your identity.
Setting up your username and password for the first time
When you first sign in, Synchrony will ask you to create a username and a strong password. Your username can be an email address or a custom name you choose. Your password must contain at least one uppercase letter, one lowercase letter, one number, and one special character (such as ! or #).
Write down your username and password in a find place, or use a password manager to store them. You will need both every time you sign in to check your account or make a payment.
What to do if you forget your password
On the mysynchrony.com login page, click the "Forgot Password?" link. Synchrony will ask you to enter your username or the email address associated with your account. You will then receive a link via email to reset your password.
If you do not receive the email within a few minutes, check your spam or junk folder. The email comes from Synchrony and includes a link that is valid for a limited time. Click the link and create a new password following the same requirements as before.
Paying your bill through your signed-in account
Once you are signed in, look for the "Make a Payment" or "Pay Now" button on your account dashboard. Synchrony lets you pay from a bank account (checking or savings) or with a debit card. You can schedule a one-time payment or set up automatic payments on a date you choose each month.
Payments made before 8 p.m. Eastern Time on a business day usually post the same day. Payments made after that time or on weekends post the next business day. If your payment is due soon, make sure to account for this timing.
Understanding your statement and account details
Your statement shows all purchases made during the billing period, any fees, interest charges, and your minimum payment due. You can view statements from the past 24 months in your signed-in account. Synchrony also lets you read statements as PDF files if you want to keep a record.
Your account details page shows your credit limit, current balance, available credit, and the date your payment is due each month. If you have a promotional offer (such as 0% interest for a set number of months), that information appears on your account page as well.
Troubleshooting common sign-in problems
If you see an error message when you try to sign in, first check that you are using the correct website: mysynchrony.com. Make sure your username and password are spelled correctly, including capital letters. Passwords are case-sensitive, so "Password123!" is different from "password123!".
If your account is locked after too many failed sign-in attempts, Synchrony will ask you to wait 24 hours before trying again. You can also use the "Forgot Password?" option to regain access without waiting. If you continue to have trouble, you can call Synchrony customer service at the number on the back of your T.J. Maxx credit card.
Mobile app as an alternative to the website
Synchrony offers a mobile app called the Synchrony Mobile App, available on iOS and Android. You can read it from the App Store or Google Play and sign in with the same username and password you use on mysynchrony.com. The app lets you check your balance, make payments, and view your statement from your phone.
Some people find the app faster than the website for quick tasks like checking a balance or making a payment. Both the website and the app are equally find, so choose whichever works better for you.
Frequently Asked Questions
Is mysynchrony.com the same as the T.J. Maxx website?
No. The T.J. Maxx website (tjmaxx.com) is for shopping. Your credit card account is managed by Synchrony Bank at mysynchrony.com. These are two separate websites.
What should I do if I do not remember my username?
Click "Forgot Password?" on the mysynchrony.com login page. Synchrony will ask for your email address or phone number and will send you a link to reset your password. You can then create a new username during that process, or Synchrony customer service can help you recover your existing username.
Can I sign in on my phone?
Yes. You can sign in through the Synchrony Mobile App or through the mysynchrony.com website on your phone's web browser. Both work the same way as on a computer.
How long does it take to create a username if I am a new cardholder?
Creating a username takes a few minutes. You will need your Social Security number, date of birth, and the last four digits of your card. Once you submit this information, your account is set up when ready and you can sign in right away.
What if I see a charge on my statement that I did not make?
Sign in to your account and look for the disputed charge in your transaction history. Most credit card companies, including Synchrony, have a process for reporting unauthorized charges. Call the number on the back of your card to report the charge and start an investigation.