topic Any experience attaining TJMax Credit Card in Credit Cards

Any experience attaining TJMax Credit Card

Drsgwld — Sat, 14 Jun 2014 17:21:34 GMT

What is the level of difficulty attaining TJMAX credit card? They give $10/100.00 that you spend.

Re: Any experience attaining TJMax Credit Card

Whitneyy — Sat, 14 Jun 2014 19:36:14 GMT

Do you know who it's backed by?

Re: Any experience attaining TJMax Credit Card

Creditaddict — Sat, 14 Jun 2014 20:58:36 GMT

@Drsgwld wrote:
What is the level of difficulty attaining TJMAX credit card? They give $10/100.00 that you spend.

GE, above 600 should get you in with a $200-$300 limit... They pull TranUnion exclusively.

Re: Any experience attaining TJMax Credit Card

Drsgwld — Sat, 14 Jun 2014 21:47:41 GMT

This is GE Capital? Wouldn't it be just as good to apply for a M/C or Visa through GE if they carry it? Just wondering?

Re: Any experience attaining TJMax Credit Card

Creditaddict — Sat, 14 Jun 2014 21:55:36 GMT

They will automatically consider you for the MasterCard first and if not qualified consider for just store card

Re: Any experience attaining TJMax Credit Card

gh17 — Sun, 15 Jun 2014 01:37:52 GMT

I used to work at one of the TJX stores and had to try to get people to sign up for this card.

From what I remember, at one point they had an option on our screen to check whether the customer was interested in applying for the Mastercard or not. It wasn't originally an option but at some point they added it. So it may be possible to apply for just the store card and not the Mastercard, if that interests you for some reason. I don't think you can only apply for the Mastercard without applying for the store card at the same time (e.g. if you're denied the Mastercard, I think they automatically check to see if you can be approved for the store card).

The vast majority of people I signed up got either $500 or $1000 limits. Most people were approved, but obviously that's anecdotal.

I believe it's backed by GE. It used to be Chase.

Unless they've changed something, it's $10 for every $200 you spend at TJ Maxx, Marshalls, and HomeGoods (not per $100 like OP stated). 10% off first purchase when you get approved. Even if you're not approved, depending on the day/manager, they might still give you the 10% for applying. If you get the Mastercard, it's $10 for every $1000 you spend outside of TJX stores. Basically you earn 1 point for non-TJX purchases and 5 points for TJX purchases and when you get to 1000 points you get a gift certificate.

Re: Any experience attaining TJMax Credit Card

gh17 — Sun, 15 Jun 2014 01:39:38 GMT

Also - I don't think they're good about no credit history at all. Most people I remember getting denied were like high school students.

Re: Any experience attaining TJMax Credit Card

Drsgwld — Sun, 15 Jun 2014 02:11:16 GMT

I have a history. I'm just waiting for a student loan correction to go through. It should be done any day. Currently, I'm looking at all my options. FICO 608 Equ 618 TU 615 Exp 698

Re: Any experience attaining TJMax Credit Card

Drsgwld — Sun, 15 Jun 2014 02:13:03 GMT

If I didn't have to deal with the 180 day late that had to be corrected from last year, I'd feel more confident. This should be corrected any day.

Re: Any experience attaining TJMax Credit Card

anca21bi — Sun, 15 Jun 2014 06:28:52 GMT

I got turned down for this card back in February. I was applying for a bunch of GE cards at the time was approved for all that I applied for except TJMaxx and JCPenny. Those were the ones I really wanted so I can buy more professional clothes for work. My credit score at the time was around 620 TU. I was think I was denied for the recent new credit. I'm going to wait until the fall to apply again.

Re: Any experience attaining TJMax Credit Card

Drsgwld — Sun, 15 Jun 2014 15:32:10 GMT

Do you have any negative marks on your credit or do you have young credit?

Re: Any experience attaining TJMax Credit Card

BungalowMo — Sun, 15 Jun 2014 15:41:22 GMT

I have the TJX MC. Got it with a 2k limit. Then...for no reason (FICO's all in 720-ish range) they lowered my limit to $850.

Not happy about that! SD'd it indefinately.