Your JCPenney Credit Card approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the JCPenney Credit Card will also be influenced by your annual income and existing debts. In addition, every applicant will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN.
What You Need for Good JCPenney Credit Card Approval Odds
640+ credit score
Enough income to pay credit card bills
Low debt relative to income
Low housing costs relative to income
U.S. mailing address
Age of 18+
Social Security Number or Individual Taxpayer Identification Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income with no debts and still get approved.
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
The JCPenney Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the JCPenney Credit Card.
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 Credit Card, 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 Credit Card credit score requirement. You can check your credit score for free on WalletHub.
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