JCPenney Credit Card

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.

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!

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!!

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 !

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!

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!!

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.

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

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?

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.

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.

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.

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.

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.

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.

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.

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!!!

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!

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.

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.

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!

JCP is charging me a monthly interest on purchases. OMG and its customer service is the worst. I am so closing this account.

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.

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.

26.99%!!!!!! poor rewards. enough said!!!!

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

Hey ... has anyone else had trouble with the JCP Credit Card?? I have a friend who made a payment in full but arrived late. The late fee exceeded the cost of the item. The following month they received a bill double the last amount. They called JCP Customer Service and each call was directedto a third party collection firm that refused to connect the call back to JCP and they refused to adjust the fee appropriately. There does not appear to be any billing or internet access to the JCP services. Does anyone know when they have their stockhoders meeting?

I got my card in perfect timing. The cashier asked if I wanted to apply for the JCP card and I would receive an additional 10% off; I was school shopping with the kids so all the discounts came in handy. I was even able to get myself a few things. Having the cards allowed me to get what I needed and the ability to pay in a timely manner. Even after I was able to use my card when ever I needed and was able to pay on my account and keep track of every purchase online. I would recommend it to everyone.

The good: As store cards go, the JCPenney Credit Card offers generous discounts and incentives to keep you a loyal (and happy) customer. Getting 10-15% off purchases consistently plus getting a $10 gift card for every $100 you spend makes the savings potential huge. It is important to note that points expire at the end of each month, so to benefit from this card you would need to plan your shopping schedule and stay true to JCPenney. The bad/ugly: Although there are many attractive terms for this card, 26.99% APR is nothing to fool around with, and after the introductory period is over, carrying a balance will quickly become expensive and depending on spending, outweigh the benefits of the generous JCP rewards. (Compare to the 24.5% APR offered by Macy's)

We love our JCPenney because of the great deals they offer for the entire home and family and having the JCPenney card makes it even easier. With this card you can add up points for every $1 you spend you get 1 point. In addition you get all kinds of discounts when you use your card. The best things about this card is that you have a 0 percent intro rate for 12 months. This will come in handy at Christmas time when your list gets long.

This is an awesome store credit card to start out with especially if you want to build credit. I have had this card for 4-5 years and I love the perks you get with it. I did have a small problem with billing because I didn't receive a bill but I had a small balance on it of under 10$. I called them and they solved the matter in no time and I was able to get a new card as soon as possible so that there wouldn't be any future problems. Though they assured me that if anything like that happened again, they would take care of it. Now considering its a store card, they have late fees and interest rates that arent too friendly if you miss a payment or default, but because of billing problem, they waived the fees because I wasnt at fault. Now in terms of the perks, I always get 10$ off of a 10 dollar purchase coupons a lot. I also use the card that the Sephora that is located inside the store so it's like I get double the perks. Love this card and I would recommend it to anyone!