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Question
Does anyone here have a BJ's Wholesale Club membership?
I had a Sam's Club membership but I let it expire, and now I'm wondering if I should get a BJ's membership. You can use coupons there, which is a plus, but I'm not sure if it's worth the extra drive. If anyone has a membership and can share any pros or cons, that'd be lovely!

Answer
BJ's Wholesale Club, Inc. (NYSE: BJ) is a membership-only warehouse club chain operating on the United States East Coast, as well as in the state of Ohio.[4] The company is also ranked #269 on Fortune magazine's 2009 listing of America's 500 largest public corporations. The company was started by Zayre, a discount department store chain, in 1984, on the Medford/Malden border in Massachusetts. This was and still is the company's flagship store. When Zayre sold their own nameplate to rival discount chain Ames, TJX Companies was formed. TJX spun off their warehouse division, consisting of BJ's and now defunct HomeClub (later known as HomeBase, then House2Home), to form Waban, Inc. Later, Waban spun off BJ's to become an independent company headquartered in Natick, Massachusetts. The letters B and J stand for Beverly Jean, a daughter of one of the founders.[6] They are commonly misinterpreted to stand for Berkley & Jensen, a brand name sold in their stores.[7] [edit] BJ's today BJ's Wholesale Club in VirginiaBJ's operates 182 BJ's clubs in sixteen states and employs over 22,000 Team Members (both full and part-time)[8]. Its major competitors are Costco and Sam's Club.[9] BJ's offers a variety of special benefits to its members. These include "member pricing", a variety of name-brand products at discount wholesale prices, acceptance of all valid manufacturers' coupons, and acceptance of many forms of payment (cash, check, ATM/debit cards, and all major credit cards). Some clubs also accept food stamps. BJ's is the only one of the three major warehouse club chains to regularly accept Visa as a method of payment. Memberships at BJ's are required for these benefits and are available to individual consumers and businesses. BJ's memberships normally last for 12 months from the date of purchase and are required to be renewed yearly to maintain their validity. As of March 2008, a standard individual membership at BJ's costs $45 per year. In addition, BJ's also has a special "Rewards" membership that may be purchased for an additional $35, allowing 2% of all of a member's purchases to be "rewarded" and redeemed for use towards future BJ's purchases (with the exception of alcohol, tobacco, and gas). Business members may apply to purchase BJ's products for resale, and those of nonprofit organizations may apply for tax-exempt privileges (where applicable). Members with expired memberships (if they choose not to renew), as well as non-members are allowed to shop, but are assessed a 5-15% surcharge (depending on the club and the circumstances) on their total, and are not allowed to pay by check. However, if non-members keep their receipts and decide to renew their membership or open a new membership, they will be refunded the surcharge and applied towards the membership fee, within 7 days. To aid in convenience, most BJ's memberships can be renewed at the register during checkout. BJ's Wholesale Club has a 100% Satisfaction Guarantee on their memberships, and therefore a membership can be refunded at any time during that membership period without any 90 or 30 day stipulation. [10] Many of BJ's clubs offer special services to members, such as gas stations, home heating oil, propane filling, an optical department, car rentals, and vacation packages. These services vary from location to location. As of 2008, there were 154 Clubs with optical departments, and 100 Clubs with gas stations. In 2007 BJ's decided to close all pharmacy operations in its clubs. BJ's Wholesale Club locations frequently stock different varieties of products at different locations. All clubs carry the items listed in the coupon book that is published on a bi-monthly basis. However, at certain times, it is not uncommon for a certain club not to carry a new item immediately due to its higher demand Home brands Berkley & Jensen: BJ's own house-brand which makes many products ranging from foodstuffs and health care products to tires and recordable CDs. Lanesboro: BJ's own line of apparel, including footwear, jackets, undergarments, sportswear, workwear, and accessories. Rozzano: BJ's line of Italian foods, including pasta and pasta sauces, fresh cheeses, and frozen pizzas. Wellsley Farms: BJ's upscale, private-label line of fresh foods. The line includes a full selection of dairy products, heat-and-eat meals, produce and fresh and smoked meats Executive Choice: Office Supplies and other hardline goods



Question
Payment due dates & time of Target REDcard & TJX Credit Card?
Hello, I just signed up for Target REDcard & TJX Credit Card a couple weeks ago. I received them a week later. I've used them already, within the credit limits. Technically, nothing goes wrong. However, concerns jump out even sooner than I thought. I'm only 18, & this is my 1st time signing up for these cards. So if my silly questions bother you, then I'm sorry. And to people who could help me out of my concerns, thank you, indeed. 1. According to Target REDcard site, the payment due date is "at least 25 days after the close of each billing cycle." Honestly, I know nothing about Target's billing cycle. So my questions is, when is the payment due? 2. According to Target FAQs, Target is "unable to accept credit cards or debit cards for online payments." My concern is, which cards are acceptable for paying online? 3. I'd be so glad if someone could inform me the payment due date of TJX Rewards Credit Card as well. Though I know the customer service hotlines, I assume it'd not be much helpful. As I searched on Google before coming here for help, I saw people complained a lot about Target customer service. They said the assistants asked too much for personal information but end up not giving them what they wanted. So... I hope my questions won't bother you too much. And thanks for spending time reading my concerns. Good night to you & your family :) @Morgan: I went to the link you gave, but then appeared to me tons of other sites. However, thanks for your help :) @Becko: Though it doesn't answer my questions, I hope it'll be in handy someday. Thanks for your offer :) @Something Else: Thanks for your elaborate answer. I truly appreciate. Since I'm still at level 1, I couldn't rate your answer as the best, though I really wish that I could. Thank you again :)

Answer
1. Open an online account. You will then receive emails telling you your statement is ready. Go to Target.com and the due date is listed. You can pay online if you enter your Bank Checking Routing and Account number. That is the only way to make an online payment So for the TJ Max. Every ones due date is different since it is based on when the card was issued. My Target due date is 1/22 but I already paid in full online.



Question

Answer
I use my TJX Rewards MasterCard. I get $!0 gift certificates for every $250 I spend at any TJ Maxx, Marshallls, or Homegoods stores. It is a good rewards program, if you shop those stores. I have had the Best Buy card, and looked at several other retailers rewards cards and have not seen any great benefits. Amex's rewards are OK if that is a card you use frequently. Stay away from the Sony card. By the time you build up enough points for a decent item, you could have bought it 4 or 5 times over..




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