To make a T.J.Maxx Credit Card payment online, log in to your online account, go to the "Summary" tab, and click on the "Make Payment" button. From there, you'll be able to confirm your payment information and send your payment. You can also pay your bill over the phone through an automated system by calling 877-890-3150. It's worth noting that you cannot pay your credit card bill at a T.J.Maxx store.
If you would rather mail in a payment, send your TJX Credit Card payment to: Mastercard Accounts P.O. Box 530949 Atlanta, GA 30353-0949
You need to have good credit to get approved for the TJX Credit Card, which means a credit score of at least 700. If you don’t quite have a 700 credit score, you can still get the TJX Store Card with fair credit, which is a credit score of about 640 or higher.… read full answer
If you'd like to see where your credit stands, and thus get a rough sense for your odds of approval, you can check your credit score for free on WalletHub. You'll get daily updates to your score and full credit report as well as 24/7 credit monitoring.
Still, it’s good to keep in mind that a good credit score won't always get you approved for a given credit card. There are other variables that may play a role in the decision, such as your outstanding debts, job status, and annual income.
You need fair credit to get approved for the TJX credit card, which means a credit score of 620 or above. Your credit score won’t be the only factor taken into account, however, so this is only a guideline.
With that being said, you’re right to consider a store credit card in this instance because they typically have more lenient approval requirements than general-purpose credit cards. The … read full answerKohl’s Store Card is another offer worth looking into, as it provides a 20% discount on your first purchase after account approval with no cap on how much you save.
The best way to pay off debt and raise your credit score is to repay balances with the highest interest rates first. This will reduce the overall cost of repaying the debt and make the task easier because the total amount you owe won’t be growing as fast. Always make at least the minimum payment due for each balance every month, though. Keeping all accounts current will help raise your score, or at least prevent it from going down. Beyond that, just try to budget as much as you can for paying off debt each month in order to bring your balances to zero as soon as possible.… read full answer
In addition to the overall strategy of paying off your most expensive debt first while staying current on other balances, make sure to explore options for reducing the cost of what you currently owe. If you have good credit or better, balance transfer credit cards and debt consolidation loans could help you get a lower interest rate. With a lower rate, more of your monthly payment amount can go to your principal balance, speeding up the time it takes to pay off debt.
You might also consider consolidating through a home equity loan or home equity line of credit, which offer extremely low APRs but are secured by your house. Another option is a debt management program, in which you work with your creditor(s) to set up a payment plan, often with a lower interest rate and reduced payments.
Best ways to pay off debt and raise your credit score:
Pay at least the minimum amount due on every account each month.
Spend as much as you can afford on monthly payments toward your most expensive debt – the balance with the highest APR.
Make sure to save a bit each month, to give yourself a safety net in case of unexpected expenses.
Lower your interest rates with either a debt consolidation loan or a balance transfer credit card.
Consider tapping into home equity through a home equity loan or HELOC.
Enroll in a debt management program and create a payment plan.
Paying off debt is good for your credit score because it reduces your debt-to-income ratio while establishing a good payment history – both of which are major factors in raising your credit score.
It may take at least a few billing periods before you’ll notice any significant improvement, though. A lot depends on your starting point as well as how responsibly you manage the rest of your finances moving forward.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.