Paul Kessler, WalletHub Credit Card Analyst
@p.kessler
No, you cannot get a JCPenney Credit Card with bad credit. You need at least fair credit to get this card.
The fact that you can’t get the JCPenney Credit Card with bad credit shouldn’t be too big of a deal, though. Unless you’re a die-hard JCPenney shopper, you aren’t missing out on much. There are plenty of credit cards for bad credit with competitive terms.
For example, the Capital One Quicksilver Secured Cash Rewards Credit Card requires a deposit of $200, but you get unlimited 1.5% cash back on all your purchases, including those at JC Penney.
Here’s how to get a JCPenney Credit Card with bad credit:
- Improve your credit score: You need at least fair credit for good approval odds. Paying down debt and disputing credit-report errors could help you get there quickly.
- Use a card without JCPenney branding: There are plenty of good credit cards for bad credit that will save you money on JCPenney purchases.
- Apply with a co-signer: You can do that either online or by visiting a store location and requesting the JCPenney Credit Card co-signer application.
- Be an authorized user: If a friend or family member has a JCPenney Credit Card, ask if they can add you as an authorized user. This will also help your credit score improve.
The JCPenney Credit Card can be used at JCPenney in-store and online, plus JCPenney salons, Sephora.com, and Rite Aid. If you have the fair credit or better needed for approval, you’ll get 15% off your first purchase on select items. And you’ll always get 1 point per $1 charged.
Brandon Bettan, Member
@brandon_bettan
You should have at least fair credit in order to get approved for the JCPenney Credit Card.
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