Log in to your T.J. Maxx credit card account at tjmaxx.tjx.com
The T.J. Maxx credit card is issued by Synchrony Bank. To reach your account online, go to tjmaxx.tjx.com and look for the "Credit Card" or "Pay My Bill" link at the top of the page. This takes you to the Synchrony login portal where you manage your card.
You will need your card number and a password to log in. If you do not have a password yet, you can create one on the login page by selecting "Enroll Now" or "Register." Synchrony will ask you to verify your identity using your Social Security number and date of birth before you set up your account.
Once you are logged in, you can view your balance, recent transactions, and payment due date. The portal also shows your credit limit and current interest rate.
Key Takeaways
- Log in at tjmaxx.tjx.com using your card number and password; if you do not have a password, create one through the Synchrony enrollment page.
- You can pay your bill online, by phone at the number on the back of your card, or by mail to the address shown on your statement.
- Payments made before 8 p.m. Eastern time on a business day usually post the same day; weekend and holiday payments post the next business day.
- Set up automatic payments in your online account to avoid missing a due date.
- If you forget your password, use the "Forgot Password" link on the login page to reset it with your card number and Social Security number.
Make a payment online after you log in
After logging in, select "Make a Payment" or "Pay Now" from your account dashboard. You will see your current balance and minimum payment due. Enter the amount you want to pay—you can pay the full balance, the minimum, or any amount in between.
Choose your payment method. Most cardholders pay from a checking or savings account using their routing and account number. You can also pay with a debit card. Synchrony will ask you to confirm the payment date; if you choose a date within the next few business days, the payment usually posts within one business day.
Review the payment details on the confirmation screen and select "Confirm" or "Submit." You will receive a confirmation number on screen and by email. Keep this number for your records.
Pay by phone or mail if you prefer not to use the website
To pay by phone, call the number on the back of your T.J. Maxx credit card. A representative will ask for your card number and the amount you want to pay. You can pay from a checking or savings account over the phone. Payments made before 8 p.m. Eastern time on a business day usually post the same day.
To pay by mail, send a check or money order to the address shown on your monthly statement. Write your card number on the check. Mail payments take 7 to 10 business days to reach Synchrony, so send your payment well before your due date to avoid a late fee.
Set up automatic payments to avoid missing your due date
Log in to your account and look for "Automatic Payments," "Autopay," or "Recurring Payments" in the settings menu. Select the amount you want to pay each month—you can choose to pay the full balance, the minimum payment, or a fixed dollar amount. Choose the date each month when the payment should come out of your bank account.
Synchrony will withdraw the payment automatically on that date each month. You can change or cancel automatic payments anytime by logging back into your account. If you set autopay to pay your full balance each month, you will not carry interest charges from month to month.
What to do if you cannot log in
If you see an error message or cannot access your account, first check that you are on the correct website: tjmaxx.tjx.com. Make sure your internet connection is working and try a different web browser if the site does not load.
If you forgot your password, click "Forgot Password" on the login page. Synchrony will ask for your card number and Social Security number, then send you a link to reset your password by email. Check your spam folder if you do not see the email within a few minutes.
If you still cannot log in after resetting your password, or if you see a message that your account is locked, call Synchrony customer service at the number on the back of your card. A representative can unlock your account and help you regain access.
Understand your payment posting date and due date
Your due date is the last day you can pay without a late fee. This date appears on your monthly statement and in your online account. Your payment posting date is when Synchrony receives and records your payment.
Online and phone payments made before 8 p.m. Eastern time on a business day post the same day. Payments made after 8 p.m. or on a weekend or holiday post the next business day. Mail payments take 7 to 10 business days to arrive. If your due date falls on a weekend or holiday, Synchrony extends the due date to the next business day.
If you pay after your due date, Synchrony will charge a late fee. The amount depends on your card agreement, but late fees typically range from $25 to $35 for the first late payment. Paying late also may increase your interest rate.
Frequently Asked Questions
Can I pay my T.J. Maxx credit card bill at a store?
No. You cannot pay your bill in a T.J. Maxx store. You must pay online at tjmaxx.tjx.com, by phone using the number on your card, or by mail to the address on your statement.
Is there a fee to pay my bill online?
No. Synchrony does not charge a fee for online payments, phone payments, or automatic payments. Mail payments are also free, though they take longer to post.
How long does it take for a payment to show up in my account?
Online and phone payments made before 8 p.m. Eastern time on a business day post the same day. Payments made after 8 p.m. or on weekends and holidays post the next business day. Mail payments take 7 to 10 business days.
What if I pay more than I owe?
Synchrony will hold the extra amount as a credit on your account. You can use this credit toward your next purchase or request a refund by calling the number on the back of your card.
Can I change my due date?
Yes. Log in to your account and look for "Account Settings" or "Billing Options." You can usually choose a due date between the 1st and the 28th of each month. Changes take effect on your next billing cycle.