Where to pay your TJ Maxx bill
You can pay your TJ Maxx credit card bill through the TJX Rewards credit card portal at tjmaxx.com, by mail, by phone, or through automatic payments. The online method is the fastest — you log in with your card number and make a one-time payment immediately. If you prefer not to use the website, you can call the customer service number on the back of your card or set up autopay so the payment happens without you having to do anything each month.
The mailing address for payments appears on your monthly statement. Mail payments take 7 to 10 business days to reach the processing center, so send them early if your due date is coming up. Payments made online or by phone are usually posted to your account within one business day.
Key Takeaways
- Online payments through tjmaxx.com post within one business day and require only your card number and login information.
- Mail payments take 7 to 10 business days, so send them at least two weeks before your due date to avoid late fees.
- Autopay removes the need to remember your due date and can be set up through the TJX Rewards portal or by calling the number on your card.
- Late payments trigger a fee and can raise your interest rate, so paying by the due date shown on your statement matters even if you pay in full.
How to pay online at tjmaxx.com
Go to tjmaxx.com and look for a link labeled "Pay Your Bill" or "Credit Card" in the footer or main menu. Click it and you will be taken to the TJX Rewards credit card login page. Enter your card number (the 16-digit number on the front of your card) and your password. If you have not created an online account yet, you will need to set one up first — this takes a few minutes and requires your card number, date of birth, and Social Security number.
Once you are logged in, select "Make a Payment" or "Pay Now." Enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between. Review the payment amount and due date, then confirm. The payment posts within one business day, though it may show as "pending" for a few hours.
Setting up automatic payments
Autopay means the credit card company withdraws money from your bank account on a date you choose each month. This removes the risk of forgetting a due date and triggering a late fee. You can set it up through the TJX Rewards portal by logging in, finding the autopay or automatic payment section, and linking your checking or savings account.
You choose whether to pay the full balance, the minimum payment, or a fixed amount each month. If you choose to pay the full balance, the payment will match whatever you owe that month. Autopay can be changed or stopped at any time through your online account, and you will receive a confirmation email when the payment is processed.
Paying by phone or mail
To pay by phone, call the number on the back of your TJ Maxx credit card. A representative will ask for your card number, the amount you want to pay, and your bank account information if you are paying from a checking or savings account. Phone payments post within one business day. You do not need to create an online account to pay this way.
To pay by mail, write a check or money order for the amount you owe and send it to the address printed on your monthly statement. Include your account number on the check. Mail payments take 7 to 10 business days to post, so send your payment at least two weeks before the due date. Do not send cash through the mail.
What happens if you miss a payment
If your payment does not arrive by the due date shown on your statement, the credit card company will charge you a late fee. The fee amount varies but is typically $25 to $40 for the first late payment. More importantly, a late payment can trigger a higher interest rate on your card, meaning you will pay more interest on any balance you carry going forward.
A single late payment also shows up on your credit report and can lower your credit score. If you realize you will miss a due date, call the customer service number on your card right away — sometimes the company will waive a fee if you pay within a few days of the due date, though this is not may provide. After 30 days late, the account may be reported to a collection agency.
Understanding your statement and due date
Your monthly statement shows the due date, the minimum payment amount, and your full balance. The due date is the last day you can pay without triggering a late fee. If the due date falls on a weekend or holiday, the payment is due the next business day. Paying only the minimum keeps your account current, but you will pay interest on the remaining balance.
The statement also shows your interest rate (called the APR, or annual percentage rate) and how much interest you paid that month. If you carry a balance from month to month, the interest charges add up quickly. Paying the full balance by the due date means you pay no interest at all.
Frequently Asked Questions
Can I pay my TJ Maxx bill with a different credit card?
No. The TJX Rewards credit card company does not accept payments from other credit cards. You can pay from a checking or savings account, by check, or by money order. Paying with another credit card would also count as a cash advance on that card, which typically charges a higher interest rate and a fee.
What if I pay online but the payment does not show up?
Online payments usually post within one business day. If more than one business day has passed and the payment still shows as pending, log back into your account to confirm the payment went through. If you see the charge in your bank account but not on your credit card bill, contact the customer service number on your card — there may be a processing delay or an error.
Can I change my due date?
Yes. Log into your TJX Rewards account online or call the number on your card to request a different due date. The company will usually move your due date to a date that works better for your budget. This change takes effect on your next statement.
What if I want to pay more than the full balance?
You can pay more than you owe, and the extra amount becomes a credit on your account. This credit will be applied to your next month's balance. If you overpay significantly, you can request a refund by calling customer service, though some people prefer to keep the credit to reduce the next payment.
Is there a fee for paying online?
No. Paying online, by phone, or by mail through the official TJX Rewards channels is free. Be cautious of third-party websites that claim to process payments for a fee — use only tjmaxx.com or the number on your card.