Pay your TJX bill through the TJX credit card website or the mobile app
TJX operates a co-branded credit card issued by Synchrony Bank. To pay your bill, you log into your account on the Synchrony website or use the Synchrony mobile app, then select the payment amount and date. You can pay in full, make a minimum payment, or choose any amount in between. The payment posts to your account within one to two business days if you pay before the cutoff time (usually 8 p.m. Eastern).
You do not pay TJX directly — you pay Synchrony, the bank that issued your card. This matters because if you search for "TJX bill pay," you may end up on a TJX store page instead of the actual payment portal. The correct destination is Synchrony's website or app.
Key Takeaways
- Log into your Synchrony account at synchronybank.com or use the Synchrony mobile app to make a payment.
- You can pay any amount between the minimum and your full balance, and the payment usually posts within one to two business days.
- Set up automatic payments through Synchrony if you want the same amount deducted on the same day each month.
- If you do not have an online account yet, you will need your card number and Social Security number to register.
- Paying late or missing a payment triggers a late fee and may raise your interest rate, so mark your due date on a calendar or set a phone reminder.
How to set up your Synchrony online account
If you have never logged into your account before, go to synchronybank.com and click "Log In" at the top right. Then click "Register" and enter your card number, last name, and Social Security number. Synchrony will send a verification code to the email or phone number on file with your account. Enter that code, create a username and password, and you can log in immediately.
Once you are registered, you can pay anytime without re-entering your card number. Your account shows your current balance, due date, recent transactions, and interest rate. You can also see your credit limit and available credit.
Steps to make a one-time payment
Log into your Synchrony account and look for a button labeled "Make a Payment" or "Pay Now." Click it and you will see your current balance and minimum payment amount. Enter the dollar amount you want to pay. Choose the date you want the payment to come out of your bank account — Synchrony usually allows you to pick any date within the next few days, or you can schedule it for a future date.
Select the bank account you want to pay from. If this is your first payment, you will need to enter your bank routing number and account number. Synchrony will verify the account by depositing two small amounts (usually under $1 each) and asking you to confirm them. This takes one to two business days. After that, the account is saved and you can use it for future payments.
Review the payment details and click "Confirm" or "Submit." You will see a confirmation number. Write it down or take a screenshot. The payment will post to your TJX account within one to two business days.
Setting up automatic payments
If you want Synchrony to deduct the same payment amount on the same day each month, set up an automatic payment. Log in, find "Automatic Payments" or "Recurring Payments," and click to set one up. Choose the amount (minimum payment, full balance, or a fixed dollar amount), the day of the month you want it to come out, and which bank account to pull from.
Automatic payments are useful if you want to avoid late fees, but they do not change your due date or your interest charges. If your balance is higher than your automatic payment amount, you will still owe interest on the remaining balance. You can pause or cancel an automatic payment anytime by logging back in.
What happens if you miss a payment or pay late
Your payment is due on the date shown on your statement. If you do not pay by that date, Synchrony charges a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase — Synchrony can raise your APR if you are 60 days or more past due.
If you are more than 30 days late, the late payment shows up on your credit report and can lower your credit score. If you are 180 days late, Synchrony may close your account and send the debt to a collection agency. If you know you will be late, call Synchrony at the number on the back of your card and ask about a hardship program or payment plan before the due date passes.
Other ways to pay your TJX bill
You can also pay by phone. Call the number on the back of your TJX card and a Synchrony representative will take your payment over the phone. You will need your bank account information or a debit card number. Payments made by phone post the same way as online payments — within one to two business days.
You cannot pay at a TJX store (TJ Maxx, Marshalls, HomeGoods, or TJX.com). The store does not process credit card payments. You must go through Synchrony.
Frequently Asked Questions
Can I pay my TJX bill with a different bank account than the one I registered?
Yes. Once you are logged in, you can add a new bank account before you make a payment. Synchrony will verify it the same way — by depositing two small amounts and asking you to confirm them. After that, you can choose which account to pay from each time you make a payment.
What if I pay more than I owe?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Synchrony. Refunds usually take five to seven business days to appear in your bank account.
Is there a fee to pay my bill online?
No. Synchrony does not charge a fee for online or phone payments. However, if you pay by mail and include a check, there is no fee either — you just need to allow extra time for the check to arrive and clear.
What time does my payment need to be submitted to post the same day?
Payments submitted before 8 p.m. Eastern time usually post the same business day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. If you are close to your due date, submit your payment as early in the day as possible.
Can I see my payment history online?
Yes. Log into your Synchrony account and look for "Payment History" or "Recent Transactions." You can see the date, amount, and status of every payment you have made. You can also download or print statements from any month.