Does JCPenney Credit Card have travel insurance?

The JCPenney Credit Card interest rate is 26.24% (V). The JCPenney Credit Card also offers new cardholders an introductory interest rate of 0% for 18 - 60 months on purchases. However, it includes a feature called “deferred interest” meaning that interest can retroactively apply to your entire original purchase amount if you pay your bill a day late or have a balance remaining at the end of the 0% period. The regular JCPenney Credit Card interest rate is variable, meaning it can change based on certain economic conditions.… read full answer

The JCPenney Credit Card gives you a 23-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card’s payment due date. You won’t owe any interest as long as you pay your balance in full during that timeframe. Should you decide to carry a balance on your JCPenney Credit Card, it will accumulate interest daily at the card’s regular APR. Interest is compounded, meaning you will owe interest on both the principal balance and any interest already accumulated.

All JCPenney Credit Card interest rates will be listed on your statement and on your online account summary.

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.

You can activate your JCPenney Credit Card by registering for online access. Alternatively, you can activate your card by calling customer service at (800) 542-0800.

When registering for an online account you'll need to enter your account number and ZIP code. Then click "Continue" and complete the registration form by entering your personal details and clicking "Submit". The JCPenney Credit Card may still require calling customer service for activation, but you will receive specific activation instructions on the label received along with your card.… read full answer

When calling JCPenney Credit Card customer service at (800) 542-0800, follow the automated prompts to enter your account number (which is the same as the number on the front of your card). Once connected to a customer service representative, request JCPenney Credit Card activation and provide your personal information as instructed.

Once you complete all the steps, you will receive a notification about successfully activating the JCPenney Credit Card.