What is the credit score requirement for the TJX Store Card? (2024)

FAQs

What is the credit score requirement for the TJX Store Card? ›

You'll likely need a credit score of 620 or above to qualify for a T.J. Maxx credit card.

Well, this is a store card and Synchrony - the issuer- requires fair credit for most of their store cards, (a minimum score of 620). They may accept applicants with slightly lower credit scores, considering that you can only use the card at TJ Maxx and related stores.

WalletHub, Financial Company

The TJX Store Card, on the other hand, requires a 640+ credit score (fair credit).

T.J. Maxx credit cards often have low credit limits, and many cardholders start with a credit limit of $200. There is the possibility of receiving a higher credit limit depending on your creditworthiness.

What credit bureau does TJX Store use for approval? The TJX Store Card mainly uses TransUnion for approval.

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.

The TJX Rewards® Platinum Mastercard®, issued by Synchrony Bank, can be a worthy sidekick for the deal-savvy shopper who hunts bargains at T.J. Maxx and its affiliated stores.

The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.

Because it's backed by one of the major payment networks, the TJX Credit Card card can be used pretty much everywhere credit cards are accepted. The same cannot be said for the store card version. This answer was last updated on 01/09/24 and it was first published on 03/29/22.

The best store credit card you can get with a 600 credit score is the Amazon Secured Credit Card. It has a $0 annual fee, offers 2% cash back on Amazon purchases if you are a Prime member, and requires a minimum security deposit of $100, which makes it easier to get with bad credit.

What credit score is needed for a Target credit card? ›

Suggested credit score

You'll need to have at least fair or average credit -- a credit score over 580 -- to qualify for the Target Circle™️ Card. Like any card, you'll have a better chance of being approved if you have good credit or better. Applicants with lower credit scores may also be offered a lower credit limit.

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.

standard return policy for items purchased in stores

A 10-day period is required for a cash refund on check purchases. Returns with a receipt over 30 days, with a gift receipt or without a receipt will receive merchandise credit only.

The TJX Rewards^® Platinum Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.

To be approved for a Walmart credit card, you typically need a credit score in the fair to good range, which generally falls within the 580 to 740+ range. However, it's important to note that the specific credit score requirements may vary depending on the type of Walmart credit card you're applying for.

The TJX Credit Card's minimum payment is $25 or 1% of your balance plus any past due amounts, late fees, and interest - whichever is greater. You can keep your account in good standing by always paying your monthly minimum before your due date.