If you have a TJMaxx credit card and want to make a payment, you need to go through Synchrony Bank. Synchrony is the company that manages your TJMaxx credit card account. In this article, we will explain how to make your TJMaxx credit card payment Synchrony in simple words. You don’t need to worry—everything is explained step-by-step, like a beginner guide.
What is a TJMaxx Credit Card?
A TJMaxx credit card is a special store card that you can use to shop at stores like:
- TJ Maxx
- Marshalls
- HomeGoods
- Sierra
- Homesense
This card helps you earn rewards when you shop. The company called Synchrony Bank manages your account. That means all the payments, bills, and online account details are handled by Synchrony.
Who is Synchrony Bank?
Synchrony Bank is not the store. It is a bank that works with many big stores in the U.S. If you have the TJMaxx card, your account is managed on the Synchrony website or app. This is where you:
- Pay your bill
- See your statement
- Check your balance
- Set up AutoPay
- Track your rewards
You cannot pay your bill at a TJ Maxx or Marshalls store. You must pay directly to Synchrony.
How to Make TJMaxx Credit Card Payment Synchrony
There are 4 main ways to pay your TJMaxx credit card bill:
1. Pay Online (Best and Fastest Way)
This is the easiest way to pay.
Steps:
- Go to the Synchrony TJX Rewards website
- Log in with your username and password
- Go to the “Payments” section
- Choose how much to pay (minimum, full balance, or custom amount)
- Pick your bank account and date
- Click submit
You will get a payment confirmation. This method is free and available 24/7.
2. Pay Using the Mobile App
You can also download the Synchrony Mobile App on your phone (Android or iPhone).
Steps:
- Open the app
- Log in to your account
- Tap “Make a Payment”
- Follow the steps, same as the website
This is great if you like to do everything on your phone.
3. Pay by Phone
You can call and pay your bill over the phone.
Phone Number: 1-800-952-6133
- You can use the automatic system (free)
- Or talk to a real person (might cost $5–$10)
- Have your bank account number and routing number ready
This is good if you don’t use the internet or need help.
4. Pay by Mail
You can also send a check or money order by mail.
Mail To:
Synchrony Bank
PO Box 960061
Orlando, FL 32896-0061
Important:
- Send payment at least 5 to 7 days early
- Write your account number on the check
- Do not mail cash
In-Store Payment is Not Allowed
You cannot pay your TJMaxx credit card at TJ Maxx, Marshalls, or HomeGoods stores. All payments must go through Synchrony.
Compare the Payment Methods
| Payment Method | Cost | Time to Process | Best For |
|---|---|---|---|
| Online/App | Free | 1–2 Days | Most users, AutoPay |
| Phone (Auto) | Free | 1–2 Days | People who prefer calls |
| Phone (Agent) | $5–$10 | Same Day | Urgent payments |
| Stamp | 5–7 Days | No internet users |
Why Paying on Time is Very Important
If you pay late, you may face problems:
- You will get a late fee (up to $41)
- Your credit score may go down
- You may have to pay interest on your balance
So always try to pay on time and pay the full amount if possible. This saves money and keeps your credit score good.
What is AutoPay?
AutoPay means the bank will pay your bill automatically every month from your bank account.
- You can choose to pay minimum, full, or fixed amount
- You will never forget to pay
- You avoid late fees
You can turn on AutoPay in your online account or app.
Rewards with TJMaxx Credit Card
When you use your card, you can earn rewards:
- 5% back when you shop at TJ Maxx, Marshalls, etc.
- 1% back on other purchases (if it’s a Mastercard)
- For every 1,000 points, you get a $10 reward certificate
- No annual fee
- Special sales and events for cardholders
But if you don’t pay your bill in full, you may lose the value of these rewards due to interest.
FAQs – TJMaxx Credit Card Payment Synchrony
Q1. Can I pay my TJMaxx card in the store?
A: No, you must pay online, by app, phone, or mail.
Q2. What is the customer service number?
A: Call 1-800-952-6133 for payments and help.
Q3. How fast does online payment show?
A: Usually in 1–2 business days.
Q4. Is there any fee to pay my bill?
A: Online, app, and auto phone payments are free. Paying with a live agent may cost around $5–$10.
Q6. What if I forget my login?
A: Go to the login page and click “Forgot User ID or Password” to reset it.
Q7. What if I miss the due date?
A: You may get a late fee and your credit score might drop. Call Synchrony for help.
Tips to Stay on Track
- Set up AutoPay to never forget
- Always check your due date
- Keep your login and card information safe
- Download the Synchrony app for easy tracking
- Try to pay your full balance each month to avoid interest
Final Thoughts
Making your TJMaxx credit card payment Synchrony is very simple once you know how. The best way is to pay online or using the app. It’s free, fast, and easy. You can also call or send a check by mail if you prefer. Always pay on time, and try to pay the full amount so you can enjoy rewards without paying extra interest. With good habits, your TJMaxx credit card can be a helpful tool for shopping and saving.