Can a disabled person apply for the JCPenney Credit Card?

Yes, the JCPenney Credit Card does offer instant approval. Generally, this credit card gives instant approval to applicants who apply online or in-store and clearly meet the eligibility requirements.

What you should know about the JCPenney Credit Card approval process

Once you get approved, your account will be activated right away. And you should receive your card in about 7-10 business days. If you apply online and you get approved, you will receive a temporary card instantly. If you apply in store and want a temporary card to use before your actual card arrives, present a photo ID at any JC Penney customer service area. You can make purchases the same day you receive the temporary card.… read full answer

Keep in mind that it’s also possible to get an instant decision denying your application. Or, you might not hear back right away. That doesn’t necessarily mean the application is denied. It just needs further review. In this situation, you’ll typically get a decision or a request for additional information within 10 business days.

Some people accidentally provide incorrect or incomplete information when they apply. So, making sure everything is complete and accurate on your application helps when it comes to instant approval.

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. … read full answer

For example, the Capital One Quicksilver Secured Cash Rewards Credit Card requires a deposit of $200, but you get unlimited 1.5% cash back on all your purchases, including those at JC Penney.

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.