Does JCPenney Credit Card offer an extended warranty? This question is about the JCPenney Credit Card

Does JCPenney Credit Card offer an extended warranty?

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This question is about the JCPenney Credit Card

Evelyn Boros, Credit Cards Moderator

@evelyn_boros • 08/19/21 This answer was first published on 08/19/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No. JCPenney Credit Card does not offer extended warranty protection. JCPenney Credit Card does have other benefits, though, including a $0 annual fee, 0% for 18 months on purchases, and zero fraud liability.

If you’re set on finding a card with good extended warranty coverage, consider checking out the Capital One Venture Rewards Credit Card or the Bank of America® Premium Rewards® credit card instead.

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Where can I use my Synchrony credit card?

Where you can use your Synchrony credit card depends on which card you have. Synchrony Bank mostly issues store credit cards, which only work at the specific retailers they’re affiliated with. But if your card has a Visa or Mastercard logo and an expiration date, it can be used pretty much anywhere.... read full answer

For example, the American Eagle Outfitters (AEO) Store Card can only be used at American Eagle Outfitters. But the American Eagle Outfitters (AEO) Credit Card can be used anywhere Visa is accepted.

Here’s where you can use popular Synchrony credit cards:

Amazon.com Store Card: Amazon.com

American Eagle Outfitters (AEO) Store Card: American Eagle Outfitters

Lowe's Store Card: Lowe’s

TJX Store Card: T.J.Maxx, Marshalls, HomeGoods and Sierra Trading Post

JCPenney Credit Card: JCPenney

Sam's Club® Credit Card: Anywhere Mastercard is accepted

Some of those cards also have a Visa or Mastercard version that can be used basically anywhere that takes credit cards. But they generally offer the best rewards on purchases made through the stores they’re affiliated with.

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How much is the JCPenney Credit Card over limit fee?

The JCPenney credit card does not have an over limit fee.

Synchrony Bank, the issuer of the JCPenney Credit Card, may approve a purchase that makes you go over your credit limit.

You can put in a JCPenney credit limit increase request by logging in to your account online or by calling JCPenney Credit Card Customer Service at (800) 542-0800. Credit limit increases are determined based on your annual net income and your credit score.... read full answer

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Does JCPenney Credit Card have a 0% APR intro period for new purchases?

Yes, the JCPenney Credit Card has an introductory APR of 0% for 18 months on certain purchases. It's important to pay off the entire balance before the promotional rate expires, though, because the regular APR will apply retroactively from the purchase date if any balance remains after the 0% APR period ends. This is called ... read full answer deferred interest, and it can be quite costly.

Keep in mind that even though you don't pay interest during 0% APR periods, you still must make timely minimum payments each month. You should also consider paying more than the minimum, so that the deferred interest never kicks in. For help planning your payments, try out WalletHub's Credit Card Calculator.

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