Never take the TJX reward card. It is managed by Chase bank . They are real suckers. They make sure that you will pay late fee. Your late fee is their bread. Real suckers. Even if you send the payment 4 days before the due date they will post it one day after the due date. Then they will charge 10$ late fee and a big interest on the amoutn due and a finance charge. Immediately they will raise the apr to 60%. No remainders. No grace period. No courtesy calls. Real suckers. read full review »