How do I apply for the T. J. Maxx Credit Card?

The TJX Store Card mainly uses TransUnion for approval. That doesn’t mean it won’t use Experian or Equifax, or all of them when doing a hard pull on your credit report.

But don’t worry about the randomness of it. If you’re using your credit responsibly, all of these reports should reflect that.… read full answer

As for reporting, the TJX Store Card reports to all three major credit bureaus on a monthly basis.

Yes, the TJX Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.

There is no way to pre-qualify for the TJX Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage … read full answerhere.

The TJX Credit Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the TJX Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the TJX Credit Card credit score requirement. You can check your credit score for free on WalletHub.