Can I use my JCPenney Credit Card anywhere?

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.

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.

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:

1. 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.
2. Use a card without JCPenney branding: There are plenty of good credit cards for bad credit that will save you money on JCPenney purchases.
3. 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.
4. 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.