Paul Kessler, WalletHub Credit Card Analyst
No, you cannot get a JCPenney Credit Card with bad credit. You need at least fair credit to get this card. However, there are plenty of credit cards for bad credit with competitive terms.
A good example is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card requires a deposit of $200. However, 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 your debt and disputing credit report errors could help you get there quickly.
- Apply for a credit card within your credit range: There are plenty of 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 improve your credit score.
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 35% off your first purchase on select items. And you’ll always get 1 point per $1 spent on eligible purchases.
Brandon Bettan, Member
You should have at least fair credit in order to get approved for the JCPenney Credit Card.
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