Through the activation page: Go to the JCPenney Credit Card activation page and add your card number, security code and the last digits of your social security number. Then, click on the “Activate my card” button.
By registering your card: When registering for an online account you'll need to enter your account number and ZIP code. Then, click "Continue" and complete the registration form by entering your personal details and clicking "Submit". The JCPenney Credit Card may still require calling customer service for activation, but you will receive specific activation instructions on the label received along with your card.
By phone: When calling JCPenney Credit Card customer service at (800) 542-0800, follow the automated prompts to enter your account number (which is the same as the card number). Once connected to a customer service representative, request JCPenney Credit Card activation and provide your personal information as instructed.
Once you complete all the steps, you will receive a notification about successfully activating the JCPenney Credit Card.
You will generally be instantly approved for the JCPenney credit card. However, Synchrony Bank, the issuer of the JCPenney credit card, may sometimes need to conduct further verification. If that happens, you could receive a decision within 10 business days at most. Once you've been approved, it will take 7-10 business days to receive your card in the mail.… read full answershow less
To check the status of your JCPenney Credit Card application, call (800) 542-0800 and follow the prompts to get connected to a representative. Keep in mind that you’ll need to provide your Social Security Number for verification. The JCPenney Credit Card does not have an option to check the application status online.
You should receive a decision in the mail within 10 business days. Once you're approved, it'll take 7-10 business days for your card to arrive in the mail.… read full answer
The JCPenney Mastercard credit score requirement is at least 700. That means people with good credit or better have a shot at getting approved for the JCPenney Mastercard. The JCPenney Credit Card, on the other hand, requires a 640+ credit score (fair credit).
Other JCPenney Mastercard Approval Requirements:
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the JCPenney Mastercard, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the JCPenney Mastercard credit score requirement. You can check your credit score for free, right here on WalletHub.
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