The TJX Companies
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Do NOT get the TJ Maxx credit card for the discount: You'll pay more in the long run!!!
TJ Maxx teller pressured me into getting their credit card. Immediately after, I attempted to pay the full amount early by bank transfer. The routing number was incorrect, but rather than providing notice and offering a grace period to process the payment with the correct routing number, TJ Maxx decided to just charge me a late fee and further interest on the balance -- which wouldn't have incurred had my early payment gone through -- until I logged in and found out *myself* that the initial payment wasn't processed. It seems they decided to *not* send me a notice in order to bide their time and allow that balance to incur interest to put you deeper into debt to them. In other words, rather than care about their customers and help them continue to be good customers, TJ Maxx would rather make it more expensive for you to be their customer and harder for you to get out of being in debt to them. They'd rather keep charging you pennies for interest payments rather than thinking long-term on the value of a customer and making sure you had a good experience with them. This was my first and last time buying anything from TJ Maxx, and I'm cancelling this awful credit card that their teller pressured me into signing up for, lured by a discount on my purchase. I've been an American Express Platinum Card holder for over two decades now, and they have EXCELLENT customer service and benefits that keep me using them, even though the annual fee increases, because they will work to make their customers happy and ensure that the value of their benefits are always greater than the cost of the fee. TJ Maxx needs to learn that investing in their customer service and in their employee training so that their employees care more about helping customers rather than screwing them over would be better for business in the long run.