The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval. Getting an immediate decision is a possibility whether you apply for a JCPenney credit card online or in-store. Your account will be activated within 24 hours, if you’re approved, and you should receive your card in about 7-10 business days. If you 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.
Not to be the bearer of bad news, but 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, after all.
So, making sure everything is complete and accurate on your application helps when it comes to instant approval.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
You cannot get a JCPenney card with bad credit. You need fair credit or better to get a JCPenney credit card. That means a credit score of 640+.
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 card requires a deposit of $200, but you get unlimited 1% cash back and up to 5% back at JC Penney online using Discover Deals.
Here’s how to get a JCPenney Credit Card with bad credit:
Improve your credit score: You need 640 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 a 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.
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
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