TJX Store Card: To be authorised for the TJX credit card, you must have fair credit, which is defined as a credit score of 620 or higher. Your credit score will not be the only factor considered, so this is merely a guideline.
You are correct to contemplate a store credit card in this situation, as TJX store credit cards typically have less stringent approval requirements than general-purpose credit cards. The Kohl’s Store Card is another offer worthy of consideration, as it provides an uncapped 20% discount on your first purchase after account approval.
OTC Card Stores: What stores accept the OTC Card?
Well, this is a store card, and Synchrony, the issuer, requires acceptable credit (minimum score of 620) for the majority of their store cards. Given that you can only use the card at TJ Maxx and affiliated retailers, they may approve applicants with slightly lower credit scores.
You need approximately 640 points for this card. Obviously, the score is not the only factor they will consider; they will also review your entire credit report and income. Some negative items, such as bankruptcies, affect you beyond your credit score. Even with a score of 640, they may still reject your application.
In any event, if you have a credit score below 640, you may be better off with a secured card for the time being.
