You cannot get a JCPenney card with bad credit. You need fair credit or better to get a JCPenney credit card. That means a credit score of 640+.
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 Discover it Secured card requires a deposit of $200, but you get unlimited 1% cash back and up to 5% back at JC Penney online using Discover Deals.
Here’s how to get a JCPenney Credit Card with bad credit:
Improve your credit score: You need 640 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 must go to a store location to request the JCPenney credit card co-signer application. This cannot be done online.
Be an authorized user: If a friend or a 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 for each dollar charged.