The credit score that you need for the TJX Credit Card is 700, at a minimum. That means people with at least good credit have a shot at getting approved for this card. The TJX Store Card, on the other hand, requires a 640+ credit score (fair credit).
Other TJX Credit Card Approval Requirements
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.
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 and apply after you meet the TJX Credit Card credit score requirement. You can check your credit score for free on WalletHub.
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...
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit.
Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you...
In addition to your credit score, there are other factors that could impact your chances of approval. Some other key criteria include your debt-to-income ratio, payment history, and recent hard inquiries.
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: TJX Credit Card, TJX Store Card, Belk Store Card, Belk Credit Card, JCPenney Credit Card, Kohl's Credit Card, Target Credit Card, Walmart® Store Card, Fingerhut Credit Account, Express Credit Card, Amazon Store Card, and Saks Fifth Avenue Store Card
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