Do not even think about opening this card no matter how much they beg. I used this card when I got it in August, paid the balance in full on August 20, used it gain in August, paid half the bill on September 1. Now they say my minimum payment is due September 25th. I pay all bills on the first of the month and I am never ever late. I don't understand their billing process. I called customer service and was told that I could pay early if I want to but they cant credit the account after the closing date, which I didn't know till I asked and found out. I paid this card off and I would close it but I don't want to lower my credit score, I'll just keep it open until they decide to close it for non use.

I had this card for a while today i get a message from the credit reporting company that the account has been closed, so i called the compnay and they had no expelation as to why it closed i was never late on a payment and always pay the balance off. They didnt even have professionalism to send a letter to notify me. Do NOT APPLY FOR THIS CARD!!

I had the card for almost a year. NEVER late with a payment. The balance was paid in full every month except once when I paid it over two months. Without warning TJX dropped the limit on my card from around $1500 to $110. Per customer service, despite my perfect payment record, not only with them and my other cards, they had “done an evaluation” and had “concerns about my creditworthiness”. I cancelled the card. User beware, if you have this card, carry another one, you never know when they will change your terms.

TJX credit card is a RIP-OFF! You can't pay the bill in the store like with AAFES Military Star Card and Macy's. Has $35 late fees

Just a big head ache. It does not have an app to pay online. Payments made but still was charged and immediately $35 fine added. Same happened again even after linking checking account for minimum payment. Wanted to pay off the balance, automated service says account closed, zero credit and zero balance? Takes persistence to get a rep online who seems like he is drunk.. No seriously he seemed like drunk or may be has some disability?. He indicates a balance and confirms account closed? No reason? Pay of the balance to be posted soon.. He hangs ups? Call back, now again have to dodge consistent auto messages telling me of balance and asking for payments... Finally get to a rep who is extreemly angry.. says there is a balance.. I just have had enough. Told her to confirm why account closed and that I just made full payment. She says account Not Closed?.. PLEASE CLOSE IT.. she starts getting loud and upset

Not worth the headache and dodging late payment scams for a fine ( happened twice.. its like I hwve to call them before due date, they charge but not on due date and for non payment on due date.. yes, they fine)


Just to add, had to deal with 15 min of obstacles to post this review

Absolutely the WORST credit card company I have EVER used!! Not Synchrony Bank but The TJX aspect of it all. First payment I tried to pay, I tried to pay on Synchrony and you had to go to the TJX link. (Found this out after Finally having to call them) okay got it, understood. Then establish my log in and password, thought everything was good. Then go to pay the next bill and can’t log in again, username was incorrect which was TOTAL BS!! So I call them again to get my “correct” username and guess what it was the same but was no longer 2 upper case letters. Okay got that settled once again thought everything was good. Then try again next bill and same issue! I am a very busy women who does it have time to go through this every month, so I told myself “I’ll call later” and then didn’t remember to call until I got an alert from my credit monitoring company that my credit score (great score btw) had dropped 250 points!!!! And guess why!? TJ Max lowered my credit limit below what I owed on it. So at this point I’m beyond pissed off! Called, paid, and got my account up to date. Then guess what happened the next month!!?? You guessed it, tried to log in and it did not work once again!!! So called then AGAIN and tried to pay with my Husbands card and they couldn’t accept because he was not right beside me to confirm even though I have used his card the past 2 times paying my bill! But fair enough, that’s the rules. So give them my card number and declined, which was impossible as I sat there looking at my online banking. ARE YOU KIDDING ME!!?? I have never dealt with a company that has made it almost impossible to pay my bill! Wrapping up, I paid my balance to current and paying off my remaining balance on pay day! I just hope and pray that will go smoothly so I’m DONE with this account! Thank you TJX for taking my great credit score and knocking it to s***! I would not recommend this account to probably my worst enemy! I wish I could have given negative stars!

I was using the card for a mix of work and personal purchases for 6 years. I would save the rewards for holiday shopping. I saw an insurance company charge on my bill and I called to question it. The customer service agent said I had to take it up with the insurance company, the problem is I don't use that company. She would not initiate a fraud claim. I called the next day hoping to get a different rep who could help me address this. Same result. She said they don't have any way to look into the charge or tell me how many months it's been on there. Or who started the billing. I paid the bill in full online and closed the account immediately. (And they voided my $170 in rewards). Ridiculous. They are not equipped to deal with a theft.

I have had this card for over two years. Was great to use with the benefit of getting cash back to use in store since I shopped at all three stores quite frequently. However, I just received notification that this account was closed by guarantor. I guess they don’t like their customers using the card and paying it off! Assuming you must carry a balance on the card to keep it active. So beware! Kinda sucks when I’m in the middle of buying a house and now my credit score was affected by a closed credit card account! Thanks a lot!!!

Do not try for this card. They denied me 2xs and I have since been approved for 4 store charge cards. I would not recommend anyone to Syncrony Bank. They prey on the weak! I see people with scores as low as 400 get this card.