Hoboken, New Jersey
Not resolved

a saleperson at one of the tj maxx stores in nyc on 6th avenue is pushing the synchronicity card on their customers without giving them any information that they are applying for a credit card and not a simple loyalty card. they lie about all the details making you believe you are applying for a non credit card until the application is put through.

then they take no responsibility for rectifying this. they tell you that it will cancel itself if you don't use it for 90 days (not true) and there are no penalties if you cancel this card.

there is a penalty. if you cancel credit cards, you get reduced points.

Product or Service Mentioned: Tj Maxx Reward Card.

Reason of review: Not as described/ advertised.

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When you fill out the bottom portion of the application, it asks you for social security and annual household income. Yes the employee was wrong but the customer did not use his/her common sense and there should be a pamphlet along with the application to tell you all about the credit card.


First of all, it is a Synchrony Bank card, not a "synchronicity card." Second, while the employees are wrong for lying about it being a credit card, you need to use your common sense - if you're being asked for your social security number and annual household income, you are obviously not applying for a "regular" rewards card (that is, a rewards card that isn't a credit card).

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