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.
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What credit score do you need for TJ Maxx credit card?
620 or above
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.
What Bank does TJ Maxx use for credit?
Synchrony Bank
Applicants for a credit card with TJX are considered for two cards through Synchrony Bank. The rewards for both cards are the same for purchases at TJX Companies including T.J. Maxx, Marshalls, HomeGoods, Sierra and Homesense stores. Cardholders will earn 5% back when shopping at these retailers.
Does TJ Maxx give instant approval?
TJX / TJ Maxx Credit Card – The credit card of TJ Maxx and its sister stores Marshalls, HomeGoods, and Sierra is open to instant approval on your application. If you are instantly approved, you’ll get 10% off your first purchase with the card.
Does TJ Maxx do a hard inquiry?
TJXRewards/SYNCB may be on your credit report as a hard inquiry. This usually happens when you apply for a TJX Rewards credit card or TJX Rewards Platinum Mastercard issued by Synchrony Bank. The TJX Rewards credit card and TJX Rewards Platinum Mastercard are available at TJ Maxx stores.
What Bureau does TJ Maxx pull from?
The official credit bureau used by TJ Maxx is TransUnion. Although TJ Maxx uses TransUnion as its brand official credit bureau, it still allows Experian and Equifax to run its credit report. Read on to understand why TransUnion is the recognized credit bureau by the retail store.
Will I get approved for TJX card?
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.
Does TJ Maxx card help build credit?
Like most store cards, the TJ Maxx credit card comes with a high interest rate. Using the card wisely can help establish credit history and prevent the likelihood of having to pay an astronomical final price.
Can I use my TJ Maxx credit card at Walmart?
But while the TJX Rewards® Credit Card can only be used in TJX stores, the TJX Rewards® Platinum Mastercard® gives you the freedom of a globally accepted credit card (and without foreign transaction fees). With the platinum card in your wallet, you can swipe anywhere Mastercard is accepted.
How many credit cards should a person have?
It’s generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
How hard is it to get Synchrony Bank?
WalletHub, Financial Company
It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.
What retail credit cards approve you immediately?
The best instant approval store cards are the following:
- Amazon.com Store Card.
- Walmart® Store Card.
- Target Credit Card.
- Sam’s Club® Credit Card.
- GAP Store Card.
- American Eagle Outfitters (AEO) Store Card.
- Sears Store Card.
- Macy’s Store Card.
How long does it take for TJ Maxx credit card approval?
Most TJX Store Card approval decisions are issued immediately. If you aren’t instantly approved, you’ll be notified of Synchrony Bank’s decision approx. 2-4 weeks after reviewing your application. If 4 weeks have passed since submitting your application, please call Synchrony Bank at 877-890-3150.
Does TJ Maxx do a soft credit check?
Editorial and user-generated content is not provided, reviewed or endorsed by any company. 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.
Can you prequalify for a TJ Maxx credit card?
There is no way to pre-qualify for the TJX Store Card. A hard pull usually causes an. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months.
What is a good credit score?
670 to 739
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
What credit score does Synchrony Bank require?
640-699
Synchrony “pre-screens” customers by using data compiled from three credit bureaus: TransUnion, Equifax and Experian. Synchrony mails prepaid offers to consumers who have at least a fair credit score (640-699). To receive a credit card through a pre-approved offer, you still need to apply.
What credit score does Synchrony Bank use?
Synchrony Bank uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness.
What score does CareCredit pull?
For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The credit score you need for the CareCredit Credit Card is 640 or better.
Who issues the TJX credit card?
Synchrony Bank
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.
What does your credit score need to be for Marshalls credit card?
What credit score is needed for a Marshalls Credit Card? You’ll need a credit score of 620 or above to qualify for a TJX Rewards credit card.