Where to send your T.J. Maxx credit card payment
T.J. Maxx credit card payments go to Synchrony Bank, the company that issues and manages the card. You can pay online through your Synchrony account, by phone, by mail, or in person at a T.J. Maxx store. The fastest and most direct route is online at Synchrony's website or through the Synchrony mobile app, where payments post within one business day.
If you pay by phone, call the number on the back of your card or contact Synchrony directly at 1-800-520-4903. Mail payments to the address printed on your monthly statement — this address changes based on which payment center processes your account, so always use the one on your current bill. In-store payments at T.J. Maxx locations are accepted but take longer to post than online payments.
Key Takeaways
- Online payment through Synchrony's website or app is the fastest method and posts within one business day.
- The mailing address for payments appears on your monthly statement and varies by processing center, so do not use an old address.
- Phone payments to 1-800-520-4903 are processed the same day you call during business hours.
- In-store payments at T.J. Maxx are accepted but take several business days to post to your account.
- Your payment due date is listed on your statement, and late fees begin if payment arrives after that date.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your Synchrony account online or in the app, go to the payment settings, and choose either the full statement balance or a fixed amount you set yourself. You can schedule the payment for any day of the month, though most cardholders choose a date shortly after they receive their statement or shortly before the due date.
Automatic payments can be paused or cancelled at any time through your account settings. If you change your mind about a scheduled payment before it processes, you have until the end of the business day to stop it. Synchrony does not charge a fee for automatic payments.
What happens if your payment is late
A payment is considered late if it arrives after the due date shown on your statement. Synchrony charges a late fee — the amount depends on your account terms but typically ranges from $25 to $35 for the first late payment. A second late payment in the same billing cycle may result in a higher fee. More importantly, a late payment is reported to credit bureaus and can lower your credit score.
If you miss a payment by 30 days, Synchrony may increase your interest rate to the penalty rate listed in your card agreement. This higher rate applies to new purchases and any existing balance. If you fall behind by 60 days or more, the account may be referred to a collection agency, and you could face legal action to recover the debt.
How to find your due date and current balance
Your due date and current balance appear on your monthly statement, which Synchrony mails or emails depending on your preference. You can also check both by logging into your Synchrony account online or opening the Synchrony mobile app. The app shows your balance in real time and displays your due date prominently at the top of the account screen.
If you have not received a statement and your due date is approaching, log into your account immediately to confirm the balance and due date. You can also call Synchrony at 1-800-520-4903 to speak with a representative who can tell you the exact amount owed and when it is due.
Paying more than the minimum
Synchrony requires a minimum payment each month, but paying more than the minimum reduces the interest you owe and pays off the balance faster. The minimum payment is typically 1 to 3 percent of your total balance, which means paying only the minimum on a large balance can take years to clear and cost hundreds in interest.
You can pay any amount above the minimum without penalty. Many cardholders pay the full statement balance each month to avoid interest charges entirely. If you cannot pay the full balance, paying double or triple the minimum still saves money compared to the minimum alone.
Payment timing and processing
Online and phone payments typically post to your account within one business day. Mail payments take 7 to 10 business days from the time you send them, depending on postal delivery and Synchrony's processing center. In-store payments at T.J. Maxx take 5 to 7 business days to post.
Because mail and in-store payments take longer, send them well before your due date — ideally at least 10 days early. If your due date is within a week, pay online or by phone instead to ensure the payment arrives on time. Synchrony's payment posting date is the date the money reaches their system, not the date you send or drop off the payment.
Disputing a payment or billing error
If you believe a charge on your statement is wrong or a payment did not post correctly, contact Synchrony within 60 days of the statement date. Call 1-800-520-4903 or log into your account and use the dispute tool. Provide the transaction date, amount, and reason for the dispute.
Synchrony will investigate and respond within 30 days. During the investigation, the disputed amount is not counted as late, and you are not required to pay it while they review. If Synchrony finds the charge was an error, they will remove it and credit your account. If they find the charge was correct, they will explain why and you will owe the amount.
Frequently Asked Questions
Can I pay my T.J. Maxx credit card at a store?
Yes, T.J. Maxx locations accept credit card payments in person, but the payment takes 5 to 7 business days to post to your account. For faster posting, pay online or by phone instead. In-store payments are most useful if you are already shopping and want to make a payment immediately.
What is the phone number to pay by phone?
Call 1-800-520-4903 to pay your T.J. Maxx credit card by phone. This number is also printed on the back of your card. Have your account number and payment amount ready when you call.
How long does it take for a mailed payment to post?
Mailed payments typically take 7 to 10 business days to post, depending on postal delivery and Synchrony's processing center. Send your payment at least 10 days before your due date to avoid a late fee. The mailing address on your current statement is the correct one to use.
What happens if I pay after the due date?
A late payment triggers a late fee (usually $25 to $35) and is reported to credit bureaus, which can lower your credit score. If you are 30 days late, Synchrony may raise your interest rate to the penalty rate. Payments 60 days or more late can result in collection action.
Can I set up automatic payments and still pay extra when I want?
Yes. Automatic payments handle your scheduled payment, and you can make additional payments anytime through your Synchrony account without affecting the automatic payment schedule. This is useful if you want to pay down your balance faster while ensuring the minimum is always covered.