Minimum Credit Score Needed 
Fair
JCPenney Credit Card
By:
Synchrony Bank
Info about the JCPenney Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Feb 3, 2020
Review: JCPenney Credit Card
- Save up to 20% on your first purchase. This could help you save a bundle. But it’s worth noting that the JCPenney Card’s first-purchase discount is neither the most rewarding nor the most straightforward initial bonus available from a store credit card. The 20% only applies to certain items – such as clothing, shoes and accessories – while other purchases instead qualify for a 5% discount and still others aren’t eligible for any savings.
- Earn surprisingly valuable ongoing rewards. You will earn 1 point per $1 charged to your JCPenney Credit Card, which is roughly the market average for a rewards card. But while most credit card points are worth about a penny apiece, each point you earn with the JCPenney Rewards Card is worth $0.05, since you need 200 points for a $10 gift certificate.
- Special discounts for frequent shoppers. If you spend at least $500 in a calendar year, you will earn elite status and get to enjoy additional discounts.
- Promotional financing is a good deal. The JCPenney Card offers Deferred Interest for 12 to 24 months on qualifying purchases. It also offers non-deferred, equal monthly payment financing with 0% interest for 36 to 60 months on qualifying purchases. Minimum purchases are required.
- Offers low-cost credit improvement. With no annual fee and only “fair” credit required for approval, the JCPenney Store Card can help you improve your credit score while spending as little as possible. You can check your credit score for free on WalletHub to see where you stand before applying, then use our free daily updates to monitor your progress over time.
Feb 3, 2020
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Fingerhut Credit Account
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
29.99%
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Bad
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JCPenney Credit Card's Rewards
- Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home and in-custom design. Extra 5% off select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches and Tempur-Pedic. Terms Apply.
- Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points
- Provide your email address to get your $10 rewards via email.
JCPenney Credit Card's Key APRs & Fees
|
Purchase Intro APR
|
Transfer Intro APR
|
Regular APR
|
|---|---|---|
| 0% for 18 - 60 months | Balance Transfers Not Allowed | 27.49% (V) |
|
Purchase Intro APR
|
0% for 18 - 60 months |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
27.49% (V) |
| ANNUAL FEE |
None |
|---|
JCPenney Credit Card's Additional Info
| MAX LATE FEE |
$38 |
|---|---|
| MAX OVERLIMIT FEE |
None |
| MAX PENALTY APR |
None |
| GRACE PERIOD |
23 days |
| ONLINE RESPONSE |
No |
| CASH ADVANCE APR |
N/A |
| CASH ADVANCE FEE |
N/A |
| FOREIGN TRANSACTION FEE |
N/A |
| SMART CHIP |
No |
- Deferred Interest Details: No interest if paid in full within 18 or 24 months on qualifying furniture & mattress purchases of $499 or $999, respectively (after discounts). Valid through 1/26/2020.
- Deferred Interest Details: No interest if paid in full within 12 months on qualifying window treatment purchases of $500 or more (after discounts). Valid through 2/1/2020.
- Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of $1,499 or $2,499, respectively (after discounts). Valid through 1/26/2020.
at Synchrony Bank 's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about JCPenney Credit Card to our community.
How much is the JCPenney credit card APR? Reply 2
ASHLEY WADE
@shlee
The JCPenney credit card APR is 27.99%.
That's about on par with what other store cards have, but it's far from stellar. So if you have at least good credit and want a low APR, you should look elsewhere. Discover it Cashback, Capital One Quicksilver and Wells Fargo Platinum Visa are just a few good options.
2
Upvotes
How often do applicants for the JCPenney credit card get instant approval? Reply 11
Mr Miles
@mrmiles42
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.
1
Upvote
Can I get a JCPenney card with bad credit? Reply 31
Paul Kessler
@bikercarder
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.
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.
3
Upvotes
Do you have to spend a certain amount each month with the card? Reply 5530
WalletHub
@WalletHub
No, this card doesn't have minimum spending requirements. Furthermore, it doesn't have an annual fee, so you won't have to pay anything if you do not carry a revolving balance. Best of luck!
55
Upvotes
When will I receive my card? Do I need to go to the store to retrieve it? Reply 4837
WalletHub
@WalletHub
This card usually arrives in the mail in 7 to 10 business days after approval. If 10 business days pass and you don’t receive your credit card, please call customer service at 1-800-527-4403 to see what's going on. Hope this helps.
48
Upvotes
How can I add an authorized user? Reply 3320
WalletHub
@WalletHub
You will need to call JCPenney's Credit Services at 1-800-542-0800 to add an authorized user. Also, you can find a great article on this topic at: https://wallethub.com/edu/authorized-user/24717/ . Hope this helps. Best of luck!
33
Upvotes
Can I pay my JCPenney credit card in the store? Reply 276
WalletHub
@WalletHub
Yes, you can pay your JCPenney Credit Card bill at any JCPenney store location. Just print a payment slip and bring it to any customer service desk.
27
Upvotes
Can I use my JCPenney Credit Card at the JCPenney salon? Reply 1815
WalletHub
@WalletHub
The JCPenney Credit Card can be used at the JCPenney salon. It actually can be used at JCPenney, JCPenney.com, Sephora stores inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com.
You can use this site to search the closest JCPenney store.
18
Upvotes
Where can I find my JCPenney Credit Card coupon? Reply 131
WalletHub
@WalletHub
If you applied for the JCPenney Credit Card at a store location or from a desktop computer, you should have received your new-account coupon by email immediately after you were approved.
If you submitted an application by phone or tablet, the discount coupon should be with your card when it arrives in the mail. If you have your card but no coupon, report the issue to the card’s customer service department (1-800-527-4403). They should be able to issue one for you.
13
Upvotes
I have lost my card and have been issued a new card but don't have it yet. Can I shop online without it? Reply 107
WalletHub
@WalletHub
Unfortunately not. You will need to wait to receive your new card and activate it before making purchases either online or in-store. Sorry about that!
10
Upvotes
JCPenney Credit Card Reviews
Share your insights and review the JCPenney Credit Card.
Jan 24, 2020
Great card to have if your rebuilding credit. Don't get it if you don't need it. They will reject your payment and send to collections. If I hadn't noticed that my bank balance was off and my payment didn't go through I would've been in worse situation. I looked and saw my payment which had been made early was rejected on their part. It was set up through an online bank acct which I have paid through for years. Now it was showing me 8 days late, so I tried chatting with online chat but that kept freezing up. So I called 1800 number and they said payment has to be made through my bank, so I went online to my bank and set up payment to go through bill pay. It takes a couple days to process. I figured it should be fine once it processed. Two days later I logged on to see if it went through. Now it says I'm in collections for 300 dollars due now. Remind you for years paid on time never late. I call their 800 number, and it said my first payment was received on time. I ask to speak to rep and she tells me a number was put in wrong. It was put in wrong in their part. Now I have a super high payment for next month. Im not sure why, but she said it will go back to normal after that payment. She assured me she removed late fee and it will not affect my credit score. My advice is watch your account and never assume your payment went through as normal. Better yet, set up your payment through your banks bill pay, and send it a week or more in advance. Watch them! Follow up on your account after payment is made to make sure it was made. I don't understand why collections when acct was in good standing for years, and mistake was on their part. It has only been 10 days since my payment was due. So it seems they are looking to put accts into collections for fees?… show more
Comment
Jan 19, 2020
They closed my account for no reason. I always paid them on time. I decided to take my business elsewhere and went to Kohl's. I always saw their ads on tv, but never once had i visited any of their stores. I decided to visit a Kohl's close to my place and their staff was more friendly that JCPenney. The lady asked me if i wanted to apply for their card and they approved me for $300.… show more
Jan 17, 2020
They will close your account without any notification even if you have a zero balance and have always paid your account on time! I have never been late and my account was closed for no reason at all. I have three other credit cards and 2 have zero balances and one has about $300 on it so there was no reason to close this account that was in good standing and always has been.
Jan 17, 2020
I had a Jc penny credit card for 2 years and really liked it at first. However, I missed one payment after having to freeze my bank account and debit card upon realizing that my bank information was compromised. Jc penny/ Synchrony bank credit services contacted me and after telling them my situation. I thought they were completely understanding and even extended my pay period. However thye called me every day since asking for a payment and I kept reminding them of my situation. long story short i just decided to pay the whole thing off and cancel it. I will never recommend this store nor their credit service again. The absolute worst credit service I've dealt with.… show more
Dec 07, 2019
Verified Customer
Someone applied for a card under my social security number but their name. I found out by applying. I called and started a fraud investigation. They told me they'd keep me updated. Never did. They Tried telling me we had matching numbers(bull crap) and that it could be Canadian (again bull crap). I called back again today. Got hung up about 5 times. They put me on hold for over 40 minutes. Finally i got someone who told me that it was an error in the number they submitted.... But it still was active under my social. They don't give a crap about identity issues. They were very rude dealing with me and I'll never do business with them. Ever. Beware.… show more
Jul 03, 2019
I had them for awhile and i had a bad experience in which i had them 5 years and i couldn’t not make one payment and they did not care or extend even though i have seniority and been in good standard last 4 years and I immediately went to collection and which there was new term policies made on my account prior before I went collection. I was never advised and now forward 8 years later, I got better credit and charge off. I advise do not get this card unless you need too! No clothes is worth it and i have learn my mistakes and now I’m better off without them.… show more
May 01, 2019
Had this card for a year, would use and within a few days pay it off completely. I only applied for the coupons and rewards. They cancelled my card without any notice after I used on the 26th and paid off on the 29th, reason they gave was that synchrony had reviewed my credit and decided to cancel but my credit is impeccable!!!! Don’t go with jcpenny, go with kohl’s or Victoria’s Secret!!!! They’re much better!… show more
Apr 13, 2019
My card was canceled after 7 years without ever having a late payment. I just paid it off for the first time and they told me it was just reviewed and my credit wasn't good enough but it was the best it's been in 5yrs , I just got approved for a 320,000 dollar mortgage days ago. So I guess if don't want your card canceled don't pay it off!!
04/15/19
I’ve had my card for 11 years. I just got a letter today saying they are lowering my limit from $4000 to $800. I was also told my credit score was too low, which is not true. I was told that I didn’t pay the entire balance often enough. After everything I’ve read here, I’m sure there is some scam going on and I don’t want to be a part of it!
Mar 03, 2019
Worst credit card I ever, applied for this credit card in 12/2018 and when I got the card I already had only purchases on it , after couples on the phone and few days calling them, it was finally fixed. Then I kept having charges and returns in and out of my account. After so many issues I decided to close the account, called synchrony bank fraud department trying to get an explanation and the guy I spoke to said I should manager my account and block my card and just unblock it whenever I need. I thought that was so unprofessional so like I said I just went ahead and closed the account before some worst happen and I end up having to pay for something I didn’t do . I just wanna day that I have a few credit card with synchrony bank and I’ve never had any issue, but with this one was only bad experience, I hate that I had close the account because it will probably affect my credit score !… show more
Jan 28, 2019
Customer service can not answer any of my questions, and charged me a $2 interest charge even though I made a payment and only had the promotional amount left to pay. Claiming I have to make a minimum payment even though I have disputed the tota balance that is left. No one speaks proper English, and they have terrible manners. Closing this account once my dispute is resolved. JCPenny is a shit company. They lie, and everyone else tells a different story. It’s causing me headache just thinking about having to talk to them again!… show more
Aug 02, 2018
The absolute worst card you can have! Beware! Not only high finance rates, but customer service is awful. I had card for 20 years. Perfect payment history. IF you pay card off completely, as i did. They will shut off fast and without warning. Drastically effecting my credit, closing account. Really 30 days after i paid it off. No loyalty. No service. Conaumers need to demand better treatment for service like this to change. A secured card is better if you need to build history. Stay away from this one!!… show more
08/02/18
Also, as other reviews posted. They will lower your credit amount if you are not constantly spending.
Jun 19, 2018
JCPenney decreased my credit limit because I was inactive. This hurt my credit score.
I call to cancel because I read other reviews stating they will/can close my account if I do not make a purchase.
When I call, the customer service rep talked down to me and got very rude. "It's going to hurt your credit more to close this account." I let her know I understand that, but I'd rather take the hit now on my own terms, rather than when JCPenney decides to shut it down for me.… show more
I call to cancel because I read other reviews stating they will/can close my account if I do not make a purchase.
When I call, the customer service rep talked down to me and got very rude. "It's going to hurt your credit more to close this account." I let her know I understand that, but I'd rather take the hit now on my own terms, rather than when JCPenney decides to shut it down for me.… show more
Jan 06, 2018
I give this card a 1 star. There is little if any customer service. If you return product, they do not take it off your credit card and you have to spend hours on the phone trying to get if off. Their Customer support puts you on hold and never comes back on, and eventually you get dropped. This is a regular occurance. Customer support will not follow up with email to show what they did to dispute the purchase. This company plays on the honest person who falls into their trap and allows them to sting them with late fee and extra charges. Read the Ripoff Report. They are the worst… show more
Apr 18, 2017
Customer service operators are really nasty and incompetent. They are trying to tell me I have two cards opened and they closed one. I lost the card a couple of years ago and I reported it to them and they sent me a new one. I recently received a letter from them telling me that that card has been cancelled. I called them and the automatic system took more than 8 minutes to finally let me speak to a human. The human that helped me was not much better than the automatic system. I could not quite understand her because of a language barrier. She finally put her supervisor on, who was of no help with this issue. She insisted that I opened up two accounts and they are cancelling one because it is inactive, because of no use. I clearly explained to her that the number in question was in fact the card that was reported as lost 2 years or more ago and that the card I have now replaced that one. I couldn't get her to understand what their error was. A lost cause, so I am searching to see how I can report how unprofessional they were and to get this resolved. Are there any suggestions?… show more
Jan 06, 2017
I've been a cardholder for over 3 years. They upgraded my account to a jcp MasterCard with a 5000 credit limit in September. I've had the same bank information but suddenly their Autopay system stopped working when I got upgraded and they charged late fees. I ended up having to manually pay each month from my bank account. After a few rejected payments, they closed my account without notice. I finally received a letter in the mail stating my account has been closed due to late payments. I called to try to get them to reopen it but they would not. I spoke to a manager and he said he couldn't open it because of my credit report. I told him the letter I got stated it was closed because of late payments. He just said, "oh well that too." I checked my credit report recently in the past and it was over 700! Terrible! Avoid this credit card! I've been a loyal customer for over three years and this is how they treat me.… show more
Dec 19, 2016
Out of no where Jcpenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with 200 dollar credit then it it increased up to 400 and then up to 600 and few months ago up to now supposed to be 800. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit I feel they should not base our credit history with outside sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the company. I am so upset with what JCPENNEY credit card services did to me that feel like I no longer want to for the rest of my life shop at jcp. I shopped at all the jcpenney outlets here in San Antonio TX so much that everyone new me and was always happy to see me and greet me. Thanks for bringing a customer joy during this holiday season, happy new year. They only want to take your money and advertise. They don't care about us the customer which with out all you good members, the company is nothing.… show more
Jul 11, 2016
This card (the JCP Mastercard through Synchrony Bank) doesn't have reliable statement services if you don't get paper. They don't alert you to a late payment, even when you were on autopay for years. They don't show any customer loyalty. The lower credit limits without cause or explanation, or even notification. And customer service is just like most online services. It is made up of automatons that give the party line without actually answering any questions or solving any issues. All in all, worst choice in credit cards I've ever made.… show more
Jul 09, 2016
I can't believe anyone with a good credit score (765) would accept a credit card with 26.99% APR. I just got mine in the mail and canceled it. You can get better term at a payday loan store. To offer this kind of apr is criminal.
May 14, 2016
My account was closed without notice this month. I was a JCpenney customer for 5 years and was also on time with payment whenever I had a balance. This year their system started having problems and my payments were returned twice, thus they proceed to close my account. Take in consideration I had the same checking account to make online payment since the very first day I became a jcpenney credit card holder. I'm so disappointing about this matter as I was such a faithful customer. They do not care about their customers, because not even one time did they mentioned about closing the account in the future due to returned payments and it was obviously their fault. I do not recommend this credit card to no one, they will damage your credit scores in seconds.… show more
Apr 01, 2016
Their online options are severely lacking. Resetting the password is irritating enough. But once you're able to get into the account you're kicked out for "Inactivity" after maybe 30 seconds of you not clicking some button. I was kicked out around 5 times in a matter of 5 minutes while I was attempting to make a payment. From that type of system I would assume that they do not care to have my money. I paid off my card, and that will be the last time I'm using it.… show more
Feb 03, 2016
The website was difficult to register and pay my statement. I thought no problem and called the 800 number. That was a mistake. The automated menu is slow and keeps asking questions and repeats. It also states you can only pay with a checking account. I hung up to go dig out my check book and had to go through the tedious voice menu again. It kept repeating and has no option to speak to a human. Finally I said representative and was on hold for almost 20 minutes. By then I just asked for my balance to pay it off and close the account. Then the rep said that I could use my debit card, I do not need to use a check. That was an hour of my life I will not get back. I am not wasting time with them. I feel relieved I cancelled the card. I was offered the card at the store for a discount. I rarely ever go to JcP because it is stressful to shop there. The store is a mess, unorganized and if you do not have all the right coupons and discounts in order you end up paying too much. Not worth it in my opinion. Gave it a try but seriously do not see how anyone shops there and even more headache from their credit card.… show more
Jan 18, 2016
When you first open a credit card with JcPenney in store, the cashier gives you a huge discount, depending what coupons are online-the discount they offer is always more. The discount ranges from 15% plus $10 to 35% off and not only can you get the discount for that purchase, but for the whole 24 hours. You can shop at Jcp.com, at Sephora, JCP Salon, and even use it at the Rite Aid!!! As a Jcp cardholder I get more benefits compared to one who doesn't and only has a rewards card. One is when it comes to purchasing over $100 in a month. $1 equals 1 point and basically if you reach 100 points you qualify for the 1 $10 reward that can be used on brands that normal coupons can't work upon, such as Levis, Disney, Nike, Carter's, food, etc. Which is really cool, but if you don't have a credit card and got like 500 points -you're only going to get that 1 $10 reward. So if you were a cardholder you could have received 5 $10 rewards, which is basically almost a free pair of Levi jeans. Secondly, there are frequently coupons specifically for card holders that no ordinary customer can have, which is a bonus because card holders save even more. Thirdly, you can combine the rewards with a coupon and save a ridiculous amount of money. I purchased over $150 originally, but with rewards and coupons with my JCP credit card, I managed to only pay less than $10. You cannot beat that! I love JcPenney and customer service is always great!!!… show more
Jan 10, 2016
I bought a shirt for $16 then was charged a late fee of $18 for being 4 days late. I paid the 16 but refused to pay the late fee and was then charged an additional $18. My $16 shirt now cost $54. Horrible fee schedule: 225% over the cost of the item!
Dec 30, 2015
I like that when I use this card online or in the store, I receive points. I've had the card for about 7 months. The application process was very easy and I was approved on the spot and received a good discount (20%) on the purchase I was making at the time. I do feel that the interest is a bit high compared to other normal cards, but the minimum payment is very low. So far I have not had any problems with their customer service. I think their online banking site design is somewhat archaic compared to the larger banks like Bank of America, Discover, and especially American Express. But I enjoy receiving coupons in the mail now that I am a registered customer. They have great deals and many of them are tied to the use of the card, so there are definite benefits to using the card on purchases at the store. I like how easy it is to shop online using the credit card, and I have it linked to my rewards account. In my opinion, there are a lot of perks to using the card, and it's great that there is no annual fee.… show more
Dec 26, 2015
NEGATIVES: Too many fees and too high interest rate. POSITIVES: Good limit on my credit $2,500.00 and I have had this card for years and never had an issue with processing payments, I don't use the online payments because they charge a processing fee. I have always paid with money orders through the mail. Overall they are terrible for people that can afford to carry this card.
Dec 22, 2015
25 dollars was due, paid 100. Money was taken from the account and never return. They claim it was the incorrect bank account and they never received the payment. They refused to look into it, refused to answer any questions pertaining to what they would show up on our statement or what city their base payment center is etc so we could ensure it was them who took it out, then refused to close the account. Then charge over 100 dollars in late fees and interest on the 100 dollars they took from our account in spite of 100% on time payments that were paid even higher than the minimum due and them seeing he made the payment was made on time. Worse costumer service ever. Instead of closing the account when my husband and I both clearly requested and clearly demanded mutliple times they instead kept trying to explain they never took our payment from our account even though our bank account clearly shows they did. For 45 minutes we literally begged them to close our account and send a final bill so we could pay it and they only continued to talk in circles flat out ignoring our request or saying "im sorry youre considering closing your account. Please understand we never received the payment". I felt like I was talking to a SCAM!… show more
Dec 17, 2015
JCP is charging me a monthly interest on purchases. OMG and its customer service is the worst. I am so closing this account.
Nov 04, 2015
Highest interest rate of all credit cards I've applied for, I cancelled it. Discover has a low interest rate and you can use it every where and do balance transfers, not with JC card. Do yourself a favor and stay away from this card. If you're active duty military or Veteran I recommend the USAA VISA CARD no frills, low as 6.9 interest rate.
Oct 31, 2015
The JC Penny credit card has its pros and cons. If you are brand loyal to this company and pay your card statement off each month, there may be a great incentive to apply for this card. No annual rate is great and fraud protection is important.
Unfortunately the interest rate is outrageous as with most department store credit lines. Having earned points expire at the end of each month is also a huge turn-off for me.… show more
Unfortunately the interest rate is outrageous as with most department store credit lines. Having earned points expire at the end of each month is also a huge turn-off for me.… show more
Oct 01, 2015
JCPenny charges a $5 Convenience Fee each month for online or phone payments. This includes when you set up and make recurring payments. I have never had card I have charge a fee for recurring payments. I will be finding somewhere else to buy our clothes from! I have very good credit, so I don't need this kind of scam.
11/04/15
Yes, I cancelled. I also did a transfer. Sooner or later people will notice what a bunch of crooks.
10/07/15
they do not charge me a convenience fee and I pay online every month. however, their ridiculous interest rate of 26.99% on their store credit card is the reason I am doing a balance transfer & ridding myself of this card!
Sep 25, 2015
This credit card is okay. It's a typical store credit card. It was easy to pay off in store but, naturally, the interest was fairly high. I just used it to get the discount on a big purchase and then paid it off and cancelled it. I no longer use it and have already cut it up.
Aug 10, 2015
This credit card is good for the basic necessities or when your really in need of something. You need to be on time when paying the bill, if not earlier because they will charge a late fee immediately.. sometimes before your bill is even due!! Dont count on the rewards unless you're planning on spending a boat load of money here. I guess the 15% discount comes in handy when I shop for Christmas, but other than that I wouldn't recommend this card.… show more
Aug 05, 2015
Like many of these cards that are store based, they don't really offer anything good unless you job at that store enough to justify getting this card. The point system is alright if you spend enough at JCPenney, otherwise, get another card for general use. The points expire at the end of the month, which is average and makes it so that the card is really only that useful if the shopper spends a lot of money here. I personally wouldn't recommend this card unless you're a frequent shopper at JCPenney.… show more
Jul 29, 2015
I applied for a JC Penney Store Credit Card not knowing if I would get it or if I should. I was pleasantly surprised to find that, not only was I granted a card, but it was a great decision to get one. My card allowed to by nice clothes for work, usually at a discount, with reasonable payments and interest rate.
Jul 25, 2015
We have closed our account with J C Penney. We don't need a J C Penney card. We don't need to do business with J C Penney, there are plenty of other good options. Synchrony Bank assessed a late payment charge last month, apparently because our May payment check did not get delivered in time. It had been mailed as soon as we got it. We paid the bill and asked for clarification about the late charge. We received none. No way to discuss. Just a bill for the late charge. This time with an additional 48% (APR) added on. We don't need J C Penney and we certainly want to get away from Synchrony Bank. We'll pay for the non service charge and they had better get our charges and record zeroed out. Beware, just beware if you use a J C Penney card you have to deal with that no-help Synchrony Bank.… show more
11/20/15
I decided to cancel my JCP because of poor customer service, for me personally customer service is really important and and their agents are rude and give you attitude just for asking questions, so I closed my account plus the coupons are not even worth it, at KOHLS i can use stack my coupons and save more just saying.
Jul 19, 2015
I'm going to DELETE this account and CUT and Throw Away this card.
I've got two AWFUL experiences with this card.
First being charged for insurance that I didn't asked for and even wasn't aware of!!!
Second being charged for interest and late fee ($27) for sth I paid right on time!!!
I never shop at JCP ever again.
They're all cheaters in every possible ways.
I've got two AWFUL experiences with this card.
First being charged for insurance that I didn't asked for and even wasn't aware of!!!
Second being charged for interest and late fee ($27) for sth I paid right on time!!!
I never shop at JCP ever again.
They're all cheaters in every possible ways.
11/20/15
I got charged a $35 dollar fee :( lost my card and dont plan to bother even looking for it.
Jul 14, 2015
After I made a payment in full (even rounded up to the nearest dollar) at a JC Penny Store in May 2015 on the due date, my account has still not been credited, and I am now (July 2015) being charged interest and late fees! However, when I checked with my bank, the money I paid had been debited from my account. Apparently, JC Penny was having computer issues that day and my account did not get credited. Synchrony Bank asked me to fax the receipt. Reluctantly, I went to a JC Penny store, asked to speak to a manager, and she faxed the payment receipt along with the June Statement. Apparently, that copy wasn’t good enough. A week later, I got an email from Synchrony bank wanting a “clear and legible copy of the payment receipt.” The receipt is from May, do they really expect to get a clear copy from a cheaply printer receipt? I have wasted enough of my time trying to help them resolve their problem. Why should I have to take time out of my schedule again to fax or mail them the same receipt so I can “assist them in their research.” It’s their problem. They need to rectify this issue.… show more
Jul 03, 2015
This card is owned by Sychrony bank, I had a 0 balance in February 2015 and last month June 2015 was sent a letter that my account was closed due to inactivity..... reallly??? not using it for 3 months?? I also had a lowering of my credit limit sometime in the 1 1/2 years of being a cardholder, wan't even notified of it.... DONT GET ANY CARD ASSOCIATED WITH SYCHRONY!! BAD BUSINESS!
May 20, 2015
If you sign up for this card in the store at the time you are checking out, you get an immediate 10% discount. It's great for that and the deferred interest on major purchases of furniture is fantastic. The interest rate it too high to use this card if you want revolving credit though. The late fees are also about $10 higher than my TJ Maxx card. This card offers a discount of 15% on your purchases so it's worth having if you can pay off the balance every month. Easier than finding online coupons.… show more
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Last updated on: February 3rd, 2020 at 08:37
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WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Feb 3rd, 2020 at 08:37 ET