How to pay your TJ Maxx credit card online, by phone, or by mail

You can pay your TJ Maxx credit card bill through the TJ Maxx website, by phone, by mail, or in person at a store. The fastest method is online through your account at tjmaxx.com — you can set up a one-time payment or enroll in automatic payments. If you prefer to speak with someone, call the customer service number on the back of your card. Payments made online or by phone typically post within one business day.

Your payment due date appears on your monthly statement and on your online account dashboard. Paying by the due date keeps you from incurring late fees and protects your credit score. If you cannot pay the full balance, you can make a partial payment, though interest will continue to accrue on the remaining balance.

Key Takeaways

  • Online payment through tjmaxx.com is the fastest option and usually posts within one business day.
  • You can set up automatic monthly payments so you never miss a due date.
  • Payments by phone, mail, or in-store are also available if you do not want to pay online.
  • Your payment due date is listed on your statement and in your online account, and paying late triggers fees and credit score damage.
  • Partial payments are allowed but interest continues to accrue on any unpaid balance.

Paying online through your TJ Maxx account

Go to tjmaxx.com and log into your credit card account using your username and password. If you do not have an online account, you can create one by entering your card number and other identifying information. Once logged in, look for the "Make a Payment" or "Pay Your Bill" option in the account menu.

Enter the amount you want to pay and confirm your payment method — you can pay from a checking account, savings account, or debit card. Review the payment details and submit. You will receive a confirmation number immediately. The payment will post to your account within one business day, though it may take longer if you pay after 11:59 p.m. Eastern Time.

Setting up automatic payments

Automatic payments remove the risk of forgetting your due date. In your online account, navigate to the automatic payment or recurring payment section. You can choose to pay your full statement balance, a fixed dollar amount, or the minimum payment each month. Select the date you want the payment to come out — most cardholders choose a date shortly after they receive their statement or a date that aligns with their paycheck.

You can change or cancel automatic payments at any time through your account. If you set up automatic payments for your full balance, your account will show a zero balance after each payment posts, making it easy to track that you have paid in full.

Paying by phone

Call the customer service number on the back of your TJ Maxx credit card. A representative will verify your identity and ask for the amount you want to pay and your payment method. You can pay from a checking account, savings account, or debit card. Phone payments typically post within one business day.

Phone payments are useful if you have questions about your balance, want to discuss payment options, or prefer not to pay online. Keep your account number and the payment confirmation number the representative gives you for your records.

Paying by mail

Write a check or money order payable to TJ Maxx and include your account number on the check. Mail it to the address listed on your statement under "Payment Address" — this address is different from the customer service address and ensures your payment reaches the right department quickly. Mail payments typically take 7 to 10 business days to post after they arrive, so send your payment at least two weeks before your due date to avoid a late fee.

Include only the check or money order in the envelope — do not send your card or other documents. Keep a copy of the check or your bank statement showing the payment for your records.

Paying in person at a TJ Maxx store

You can make a payment at the customer service desk of any TJ Maxx location. Bring your credit card or account number and the amount you want to pay in cash or debit card. The store will provide a receipt showing the payment amount and date. In-store payments post within one to two business days.

In-store payments are convenient if you are already shopping, but this method is slower than online or phone payment. If your due date is within a few days, paying online or by phone is safer to ensure your payment posts on time.

What happens if you miss a payment

If your payment does not arrive by the due date, TJ Maxx will charge a late fee — the amount depends on your card terms and how late the payment is. A late payment also appears on your credit report and can lower your credit score. After 30 days past due, the late payment will show on your credit report and may affect your ability to borrow money in the future.

If you realize you will miss your due date, contact customer service immediately. Some cardholders can negotiate a one-time waiver of the late fee or a brief extension, though this is not may provide. Paying as soon as possible after missing the due date limits the damage to your credit score.

Frequently Asked Questions

Can I pay my TJ Maxx credit card bill with a credit card?

No, you cannot pay your TJ Maxx credit card with another credit card. You can pay with a checking account, savings account, or debit card online or by phone. Paying with a debit card or bank account avoids the fees and interest that come with using another credit card.

How long does it take for an online payment to post?

Online payments typically post within one business day. If you pay after 11:59 p.m. Eastern Time, it may take longer. If your due date is within a few days, pay at least one business day early to ensure it posts on time.

What if I pay more than I owe?

If you overpay, the extra amount becomes a credit on your account and will be applied to your next statement. You can also request a refund of the overpayment by contacting customer service, though this may take several business days to process.

Can I set up automatic payments for just part of my balance?

Yes, you can set automatic payments for a fixed dollar amount, the minimum payment, or your full statement balance. Choose whichever option works best for your budget. You can change the payment amount or frequency at any time through your online account.

What should I do if my payment was not received?

Check your online account to see if the payment has posted. If you paid online or by phone, you should have a confirmation number — keep this for your records. If the payment does not appear within two business days, contact customer service with your confirmation number and they can investigate.