To check the status of your JCPenney Credit Card application, call (800) 542-0800 and follow the prompts to get connected to a representative. Keep in mind that you’ll need to provide your Social Security Number for verification. The JCPenney Credit Card does not have an option to check the application status online.
You should receive a decision in the mail within 10 business days. Once you're approved, it'll take 7-10 business days for your card to arrive in the mail.
The JCPenney Mastercard credit score requirement is at least 700. That means people with good credit or better have a shot at getting approved for the JCPenney Mastercard. The JCPenney Credit Card, on the other hand, requires a 640+ credit score (fair credit).
Other JCPenney Mastercard Approval Requirements:
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the JCPenney Mastercard, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the JCPenney Mastercard credit score requirement. You can check your credit score for free, right here on WalletHub.
You will generally be instantly approved for the JCPenney credit card. However, Synchrony Bank, the issuer of the JCPenney credit card, may sometimes need to conduct further verification. If that happens, you could receive a decision within 10 business days at most. Once you've been approved, it will take 7-10 business days to receive your card in the mail.… read full answershow less
You can check your credit card application status either online or over the phone, depending on the credit card company. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if it’s a close call between approval and rejection. Some credit card applications stay in pending status for up to 30 days.… read full answer
All major credit card companies allow applicants to check their status by calling the main customer service line and following the prompts. Most major issuers – including American Express, Bank of America and Citibank – also offer a way to check your credit card application status online.
How to Check Your Credit Card Application Status with Major Issuers:
Whether you’re trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. Rest assured that even if you are eventually denied, you still have plenty of options.
Approval criteria for credit cards differ from one issuer to the next, and even from card to card with the same issuer. So if you’re denied for one card, it doesn’t mean you can’t be approved for another. For more information, check out this guide on what to do if your credit card application is denied.
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