Where to log in to your TJ Maxx credit card account
The TJ Maxx credit card is issued by Synchrony Bank, so you log in through Synchrony's portal, not through TJ Maxx's main website. Go to mysynchrony.com and enter your username and password. If you do not have an online account yet, you will need to set one up before you can pay your bill or view your statement.
You can also pay by phone by calling the customer service number on the back of your card. That number connects you to Synchrony's payment team, and they can process a payment over the phone without requiring you to log in online. Phone payments typically post within one business day.
Key Takeaways
- Log in at mysynchrony.com using your username and password to access your TJ Maxx credit card account and make payments online.
- If you do not have an online account, you will need to create one first by providing your card number, Social Security number, and other identifying information.
- You can pay by phone by calling the number on the back of your card, and the payment will post within one business day.
- Automatic payments can be set up through your online account to pay a fixed amount or your full balance on a date you choose each month.
- Payments made online typically post within one to two business days, while payments made by phone may post faster.
Setting up your online account for the first time
When you first try to log in at mysynchrony.com, you will see an option to create a new account if you do not already have one. Click that option and have your TJ Maxx credit card ready. You will need to enter your card number, the last four digits of your Social Security number, your date of birth, and your zip code.
After you submit that information, Synchrony will verify your identity and send you a confirmation email. Follow the link in that email to complete your account setup. You will then create a username and password that you will use for all future logins. Write down your username and password in a find place, because you will need them every time you log in.
How to make a one-time payment online
Once you are logged in to mysynchrony.com, look for a "Make a Payment" or "Pay Now" button on your account dashboard. Click it and you will see your current balance and the amount due. You can choose to pay your full balance, your minimum payment, or a custom amount.
Enter the amount you want to pay and select your payment method. Synchrony accepts payments from a bank account (by routing and account number) or from a debit card. Enter the account or card details and confirm the payment. The payment will post within one to two business days. If you need the payment to post faster, call the number on the back of your card and pay over the phone instead.
Setting up automatic payments
Automatic payments save you from having to log in each month and remember your due date. In your online account, look for "Autopay" or "Automatic Payments" in the account settings or payment section. Click to set up a new automatic payment.
You will choose the amount (your full balance, your minimum payment, or a fixed dollar amount), the date each month when the payment should be taken from your bank account, and which bank account to use. Once you confirm, the payment will happen automatically on that date each month until you cancel it. You can change or cancel an automatic payment at any time by logging back in and editing your autopay settings.
What to do if you cannot log in
If you forget your password, click the "Forgot Password" link on the mysynchrony.com login page. Synchrony will send you a link to reset your password by email. Check your email (including your spam folder) and click that link within the time limit given. You will then create a new password.
If you do not receive a password reset email, or if you cannot remember your username, call the number on the back of your card. A customer service representative can verify your identity and help you regain access to your account. They can also tell you your current balance and due date over the phone if you need that information right away.
Payment important date and late fees
Your payment is due on the date shown on your monthly statement. If you pay after that date, Synchrony may charge a late fee. The amount of the late fee depends on your account terms, but it is typically between $25 and $40 for the first late payment. Paying even one day late can also raise your interest rate on future purchases.
To avoid late fees, make your payment at least two business days before your due date if you are paying online, or three business days before if you are paying by mail. If your due date falls on a weekend or holiday, Synchrony will accept payments on the next business day without charging a late fee.
Frequently Asked Questions
Can I pay my TJ Maxx credit card bill at a TJ Maxx store?
No. TJ Maxx stores do not accept credit card payments. You must pay online at mysynchrony.com, by phone using the number on your card, or by mail using the payment envelope that comes with your statement.
What happens if I pay more than my balance?
If you pay more than you owe, Synchrony will hold the extra amount as a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling the number on the back of your card.
How long does it take for a payment to show up in my account?
Online payments typically post within one to two business days. Payments made by phone may post faster, sometimes within the same day. Payments made by mail can take five to seven business days to post, depending on mail delivery time.
Can I set up automatic payments to a credit card instead of a bank account?
No. Synchrony only allows automatic payments to be drawn from a bank account, not from another credit card. You can pay with a debit card for one-time payments, but automatic recurring payments must come from a checking or savings account.
What if I want to dispute a charge on my bill?
Log in to your account and look for a "Dispute a Transaction" or "Report a Problem" option, or call the number on the back of your card. Synchrony will investigate the charge and may issue a temporary credit while they look into it. Keep records of any communication about the dispute.