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.
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.
The easiest furniture store credit card to get is the Fingerhut Credit Account because you can potentially have bad credit and still get approved for this card. While Fingerhut isn't only a furniture store, its online-only store has a furniture section, which includes bedroom sets, dining tables, couches, and more.
For a physical furniture store credit card, the easiest to get is the Synchrony HOME Credit Card because Synchrony credit cards generally require only fair credit for approval. Unlike the Fingerhut Credit Account, you can use the Synchrony HOME Credit Card at over a million furniture and home stores across the U.S., including Conn's Home Plus, Mattress Firm, and CarpetOne. So you'll have a better chance of finding what you're looking for. The Synchrony HOME Credit Card also has promotional financing offers available, generally for 6 months of deferred interest on purchases of $299 or more, but those offers can be for up to 60 months. Just be sure to pay your monthly bill on time and pay off your balance before the promotional period is over. If you don't, you'll owe all the interest you would have paid otherwise.
The easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit. Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also means you should choose your card based on where you shop the most and which offers the most rewards, since there isn’t much of a difference in their approval requirements. Let’s take a look at a few good options.… read full answer
Here are some of the easiest department store credit cards to get:
Target Credit Card: For people with fair credit. 5% discount at Target and Target.com. Returns extended by 30 days. Free shipping. $0 annual fee.
Walmart® Store Card: For people with fair credit. 2 - 5 points per $1 on Walmart purchases and Walmart & Murphy USA Fuel Stations. $0 annual fee.
Kohl's Credit Card: For people with fair credit. 35% discount on your fist purchase. 5% cash back on every qualifying purchase made at Kohl. $0 annual fee.
JCPenney Credit Card: For people with fair credit. 1 point / $1 on qualifying purchases. Discounts on select items. Annual fee: $0.
Amazon.com Store Card: For people with fair credit. 5% back in rewards cash back at Amazon.com if you have a Prime account. $10 gift card after approval. $0 annual fee.
There are plenty of other department store cards with great deals too. For example, TJX, Saks Fifth Avenue and Sears all give savings and perks that are worth looking at. Just remember that department store credit cards can only be used at the store that issued them (and sometimes affiliates), so apply for a card from somewhere you know you’ll shop on a regular basis.
They don’t have a whole lot of competition, however. There are very few store credit cards for bad credit available right now. Nearly all store cards require at least fair credit for approval, according to WalletHub’s database of 1,500+ credit card offers. But there are exceptions from time to time. … read full answer
There are other types of cards to consider, too. They include unsecured credit cards for people with bad credit as well as secured credit cards, which give you the highest approval odds. Some even offer rewards and are affiliated with a popular brand. In other words, they’re like store credit cards for bad credit, but you can use them anywhere. You can check out our top picks below.
There aren’t many store credit cards for people bad credit to choose from right now, so identifying the best of the bunch isn’t very difficult. Overall, the best store credit card for bad credit is the Fingerhut Credit Account because you can get it with a poor credit score and there’s no annual fee. Plus, the Fingerhut Credit Account reports to the credit bureaus every month, which will allow you to build credit if you pay your bills on time.
Fingerhut is an online retailer that sells a broad array of goods from major brands, often at a discount, and allows you to pay for them in monthly installments. You can buy TVs and computers for up to 25% off, for example.
You don’t want to limit yourself unnecessarily, however. There are plenty of other credit cards for bad credit that could provide even better perks with popular retailers. So, make sure to keep the following pointers in mind when shopping for the best credit card for your needs.
3 Things to Remember When Looking for Store Credit Cards with Bad Credit
Store credit cards don’t give the highest approval odds. Nearly all store credit cards require at least fair credit for approval.
Store credit cards and co-branded credit cards are different. A store credit card works at no more than a few retailers, but usually just one. A co-branded credit card is affiliated with a retailer or other company but can be used anywhere Visa, Mastercard, Discover or American Express is accepted.
Secured cards are best for credit repair. Store credit cards for poor credit are barely a thing. Secured credit cards, on the other hand, were made to help people with bad credit rebuild.
If you’re interested in more advice, sign up for a free WalletHub account. You can check your credit score for free, with daily updates, and receive personalized credit-improvement tips and recommendations for credit cards with high approval odds.
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