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.
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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