You can report a lost JCPenney Credit Card card by calling Synchrony Bank customer service at 1-(800) 527-4403. Synchrony Bank will request some security information in order to verify your identity before sending a replacement.
How to Report a Lost JCPenney Credit Card Credit Card
Call Synchrony Bank customer service at 1-(800) 527-4403.
Inform the customer service representative that you’ve lost your credit card.
Provide any requested information, such as your date of birth or the last four digits of your SSN.
Ask the Synchrony Bank rep to cancel your old credit card and send a replacement.
You should receive a replacement JCPenney Credit Card card within 7-10 business days. When you receive your replacement JCPenney Credit Card card, you’ll need to activate it before you can make purchases. And if there are any recurring charges linked to the old JCPenney Credit Card card, make sure to update those accounts with your new card information.
Finally, it’s important to note that your JCPenney Credit Card card is covered by $0 fraud liability, which means that you will not be held responsible for unauthorized purchases made with your card while it’s lost. You should still give your card issuer immediate notice of any unfamiliar charges on your account, though.
JCPenney Credit Card disputes are typically resolved within 60 days, though more complex issues may take a little longer. Synchrony Bank does not allow you to dispute a charge online.… read full answer
Once you’ve initiated the dispute, Synchrony Bank will then contact the merchant and review any information provided by both parties. You won’t be charged for the disputed transaction, nor any associated fees or interest, while the dispute is under investigation. And you can still use your JCPenney Credit Card as you normally would while a dispute is ongoing.
Synchrony Bank will notify you of the outcome of the dispute after they’ve completed their investigation. They will either issue a chargeback to your account for the contested amount, or allow the charge to stand. If the disputed charge is ruled to be valid, you would then have to pay that amount, including any applicable fees and interest charges that accrued during the dispute, starting from the original purchase date.
Be aware that if there’s a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, canceling your credit card will forfeit any unused points, so be sure to redeem them before you cancel the card. You will also need to update the payment method for any recurring charges linked to your JCPenney Credit Card.… read full answer
Ultimately, keep in mind that closing a credit card account can hurt your credit score. So, you might want to think twice before doing so, especially since this card has a $0 annual fee.
Through the activation page: Go to the JCPenney Credit Card activation page… read full answer and add your card number, security code and the last digits of your social security number. Then, click on the “Activate my card” button.
By registering your card: 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.
By phone: 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 card number). 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.
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