Can I use my JCPenney Credit Card anywhere? This question is about the JCPenney Credit Card

Can I use my JCPenney Credit Card anywhere?

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This question is about the JCPenney Credit Card

Alice Kane, WalletHub Analyst

@Alice_K • 07/30/20 This answer was first published on 10/29/19 and it was last updated on 07/30/20.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can use the JCPenney Credit Card at JCPenney, JCPenney.com, Sephora stores inside JCPenney locations, Sephora.com, Rite Aid, and Riteaid.com. There is also a JCP Mastercard credit card that can be used pretty much anywhere credit cards are accepted.

It’s worth noting that potential cardholders do not get to choose which card they apply for. The initial application is submitted for a basic JCPenney credit card. If the application is approved, the applicant will get the JCPenney store card or the JCPenney Mastercard, depending on their creditworthiness.

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People also ask

How can I get a JCPenney Credit Card cash advance?

You cannot use your JCPenney Credit Card for cash advances. That's not even a bad thing considering how expensive credit cash advances are.

The JCPenney Credit Card is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com.

Where can I use my Synchrony Home Design credit card?

You can use your Synchrony Home Credit Card at retailers which participate in the Synchrony Home Furnishings Financing program.

You can find a participating store near you through Synchrony’s website. Most retailers offer furniture, bedding, mattresses, lighting and window treatments.

Can I get a JCPenney card with bad credit?

No, you cannot get a JCPenney Credit Card with bad credit. You need fair, good or excellent credit to get a 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.… read full answer

For example, the Discover it® Secured Credit Card card requires a deposit of $200, but you get unlimited 1% cash back on all your purchases, including those at JC Penney. And Discover matches all of the cash back you earn during your first year.

Here’s how to get a JCPenney Credit Card with bad credit:

Improve your credit score: You need 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 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 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.

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