Where and how to pay your TJ Maxx credit card

You can pay your TJ Maxx credit card bill online through the Synchrony Bank website, by phone, by mail, or in person at a TJ Maxx store. The method you choose depends on how quickly you need the payment to post and whether you want to set up automatic payments.

Synchrony Bank issues the TJ Maxx credit card, so all payments go through their system. You'll need your account number and either a bank account for electronic transfers or a mailing address if you pay by check.

Key Takeaways

  • Online payments through Synchrony's website typically post within one business day, while mail payments take seven to ten business days.
  • You can set up automatic payments from a checking or savings account to may support your bill is paid on the same date each month.
  • Phone payments require your account number and a valid payment method, and Synchrony charges no fee for this service.
  • In-store payments at TJ Maxx locations are processed through Synchrony and may take longer to appear on your account than online payments.

Online payment through Synchrony's website

Log in to your Synchrony account at Synchrony.com or through the Synchrony mobile app. Enter your username and password, then select "Make a Payment" from the account menu. You'll be asked to choose a payment amount and a payment method — either a bank account (ACH transfer) or a debit card.

ACH transfers from your bank account are free and typically post within one business day. Debit card payments also post within one business day but may carry a fee depending on your card issuer. Synchrony does not charge a fee for either method.

You can schedule a payment for a future date if you want to pay before your due date arrives, or set up a recurring automatic payment that deducts money on the same day each month.

Automatic payments from your bank account

Automatic payments remove the risk of missing a due date. Log into your Synchrony account, go to "Manage Automatic Payments," and enter your bank account information. You can choose to pay the full statement balance, a fixed dollar amount, or the minimum payment each month.

Synchrony will deduct the payment on the date you select, as long as that date falls before your due date. If you choose a date after your due date, the payment will still process but you may be charged interest or a late fee on the balance. You can change or cancel automatic payments at any time through your account.

Phone payment

Call Synchrony's customer service line at 1-800-935-9935 to pay by phone. Have your TJ Maxx credit card or account number ready, along with your bank account information or debit card details. A representative will process your payment and confirm the amount and posting date.

Phone payments are free and typically post within one business day. This method works if you prefer speaking to someone or need to discuss your account at the same time you pay.

Mail payment

Write a check or money order and mail it to the address printed on your monthly statement. Include your account number on the check so Synchrony can match the payment to your account. Mail payments typically take seven to ten business days to post, so send your payment at least two weeks before your due date to avoid late fees.

The mailing address on your statement is the correct one to use — do not send payment to a TJ Maxx store location. Keep a record of the check number and mailing date in case you need to track the payment.

In-store payment at TJ Maxx

You can pay your TJ Maxx credit card bill at the customer service desk of any TJ Maxx location. Bring your credit card or account number and a valid payment method — cash, check, debit card, or another credit card. The store will process the payment through Synchrony's system.

In-store payments may take longer to appear on your account than online or phone payments, sometimes up to five business days. If you're close to your due date, this method carries more risk of a late posting. Online or phone payment is faster if timing is important.

What happens if you miss a payment

If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee and may report the missed payment to credit bureaus. The late fee amount depends on your account terms, but typically ranges from $25 to $40 for the first late payment.

If you realize a payment will be late, contact Synchrony when ready at 1-800-935-9935. In some cases, they may waive a single late fee if you have a good payment history. Paying as soon as possible after the due date will limit the interest charges that accrue on your balance.

Frequently Asked Questions

How long does it take for an online payment to show up on my account?

Online payments through Synchrony's website typically post within one business day. If you pay on a weekend or holiday, the payment will post on the next business day. You can see a pending payment in your account when ready after you submit it.

Can I pay my TJ Maxx credit card with another credit card?

You can pay in person at a TJ Maxx store with another credit card, but online and phone payments only accept bank account transfers or debit cards. Credit card payments are treated as cash advances by most issuers and may carry higher fees and interest rates.

What if I pay more than my statement balance?

Any payment over your statement balance creates a credit on your account. Synchrony will explore this credit to your next month's charges. You can also request a refund of the overpayment by calling customer service.

Is there a fee to pay my TJ Maxx credit card online?

Synchrony does not charge a fee for online payments made through their website or mobile app. Your bank may charge a fee for ACH transfers, though most do not. Debit card payments may carry a fee from your card issuer.

Can I set up automatic payments if I don't have a bank account?

Automatic payments require a bank account or debit card linked to a bank account. If you don't have one, you can pay by phone, mail, or in person at a TJ Maxx store instead.