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.
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