10 Things to Know About the T.J. Maxx Credit Card

Your tjmaxx credit card has been issued by Synchrony Bank. Most of the cards are issued by MasterCard. Most experts say that this is an excellent alternative credit card to have. 

If you love discounts and offers, this card is for you. 

You can use it in more than 1000 tjmaxx stores throughout the USA. 

 There are many benefits of having this card. Mainstream credit cards do not benefit you when you shop at discount stores. But your tjmaxx credit card does. 

Moreover, you can enjoy lower marked prices at discount stores using a T.J. Maxx credit card to make payments. 

Wait. Do you feel you should also get a tjx credit card? You can apply anytime. But read this article before you apply. I have listed some essential things that you must know about it. 

How to Apply?

There are two main things to remember while applying for a tjmaxx credit card. First, you should be eligible for the card. Secondly, you must complete the application procedure. 

Application Process

Follow the steps discussed to apply for your tjmaxx credit card.

Step 1: Visit https://apply.syf.com/eapply/eapply.action?clientCode=TJX

Step 2: enter the last four digits of your ITIN or SSN

Step 3: enter your phone number

Step 4: Enter your personal details, address, phone, email, net annual income 

Step 5: Select one of the suitable card options from the list of cards that you are eligible for

Step 6: Agree to the terms and conditions before finalizing your card

Step 7: You get to see the outcome of your application 

Eligibility Criteria

There is an essential eligibility criterion for applying for a tjmax credit card. You should have a minimum credit score of 620 to apply. At the same time, you must cite an authorized earning source, too. You should have a valid SSN as well. 

Some cards are issued to customers with a score of less than 620. However, they can only use their cards at select stores. 

Visit T.J. Maxx’s website to find out where to use your card. 

Required Documents

 You need some essential documents to apply for a tj max credit card. You must have name proof, address proof, SSN, and annual income disclosure. 

Features

There are tons of benefits of tjmaxx credit card. For instance, you get a 10% discount when you first shop at T.J. Maxx. There are other prominent rewards, too. 

You will get to know about the best features of the card here. 

Rewards Program

There are different reward schemes for various T.J. Maxx cards. You get 5 tj maxx rewards for each dollar spent. You get the same rewards whether you shop online or offline. 

I got this reward, using my tjxrewards credit card. But you will also get it, if you have the tjxrewards platinum mastercard. 

There are bugger rewards for more premium cards. For instance, the tjxrewards Platinum MasterCard holds to get a reward point of $1 for each $1 spent. 

Special Discounts and Offers

The discounts and cashbacks are the best offers of tj max credit card. The special offer for 2024 is a 10% flat discount for the first purchase. 

Secondly, you get 5% cash back whenever you shop at any T.J. Maxx store. 

The reward certificates are sent to your account via mobile app within 48 hours (about 2 days) of using the card. 

I also got a special discount on select brands at T.J. Maxx. For example, I recently got product discounts from Marshalls, Sierra, and HomeGoods. 

You will get free shipping if you use the tjx rewards card during checkout. 

Lastly, I get the best deals from the T.J. Maxx Sale section, reserved for the tjx card holders. Therefore, I must say that I never got such high discounts on such a dynamic range of brands with any mainstream credit card. 

Online Account Management

 Managing my T.J. Maxx account is very simple. 

Step 1: Visit the “my account” section, located at the top right corner of the web page

Step 2: sign into your account by entering the email address and password

Step 3: you will find five separate tabs there. These are- my profile, my orders, shipping, email preferences, billing and tjx rewards

If you only want to check your rewards, visit the tjxrewards.com website. Then log in with your credentials. 

Payment Options

Tjmaxx credit card provides the most flexible payment options. You can also use it at versatile points of payment. 

Payment Methods

WalletHub says the best and easiest way to pay your tjmaxx credit card is online. You can also call customer service to make a payment. 

Call (800) 952-6133 and follow the steps of payment. Alternatively, you can also pay via email. But most customers ask if they can pay their credit card bill at any T.J. Maxx store. Well, it’s a no for them.

Due Dates and Late Fees

Are you anxious about the due date for payback of your tjx rewards credit card? Don’t worry. Many people have this concern.

Wait for the billing cycle to end. The relationship officer will inform you when you get the card. You can also check it online.

Your payment due date will be 23 days (about three and a half weeks) after the billing cycle ends. But you will indeed receive a notification as your due date approaches.

Auto-pay Options

 It’s best to use the autopay option. You don’t need to worry about the payment date; it’s every month. 

Do you also want to set up auto payment against your card? 

The best way to do it is by calling your customer care number. 

You can call T.J. Maxx Credit Card helpline. Then, follow the prompts and enter the required card details. 

Customer Support

Do you need to open a new card or order a replacement card? Do you also want to apply for a premium card or report any issues? Call T.J. Maxx Credit Card’s customer support. 

Contact Information

You can always visit the support section of T.J. Maxx. At the same time, you may also visit [email protected] to report on any specific issue. 

However, call the customer helpline for any issue or inquiry. Here are some points of contact you can use:

• For general inquiries, call 1-508-390-1000.
• Alternative phone number: Phone: 1-855-901-3099.
• TJX Rewards® Platinum MasterCard® helpline number: 1-877-890-3150.
• Helpline for TJX Rewards® Credit Card: 1-800-952-6133.

Security

Mastercard and Visa have a zero-liability policy. So, no one can make unauthorized transactions using your card. 

Fraud Protection

The safety chip on your card protects you against fraud. However, no technology is unbeatable. In case of fraud, report it to your Synchrony bank relationship manager. 

Account Security Measures

The best part of the tjmaxx credit card is that you can virtually control all its features. So, use your phone to lock the card if it’s stolen. In case of any suspicious transaction (that you didn’t initiate), freeze your card in one click, too. 

Reporting Lost or Stolen Cards

 You can call the general helpline number to report theft of your card. At the same time, there are separate reporting helplines for store cards and general rewards cards. 

Conclusion

Your tjmaxx credit card is most viable for its lucrative discounts and offers. It is easy to use. You get assured of cash points against each purchase, too. What’s best is that you can avail or earn discounts online and offline. 

Synchrony Bank carefully regulates the card’s security, disbursal, and unit transactions. I suggest it is the best card for loyal customers of T.J. Maxx. But you can’t use loyalty or coupon points for external products. Those who shop profusely from the store should immediately grab a tjmaxx credit card.

Frequently Asked Question !!! (FAQs):

The common questions asked by tjmaxx credit card customers are:

What are the benefits of a T.J. Maxx card?

What type of credit card is T.J. Maxx?

What must your credit be to get a T.J. Maxx credit card?

What is the credit limit on a T.J. Maxx credit card? 

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