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JCPenney Credit Card
By:
Synchrony Bank
Info about the JCPenney Credit Card has been collected by WalletHub to help consumers better compare cards.
The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
Jan 14, 2021
Review: JCPenney Credit Card
- Save up to 15% 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 15% discount 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 18 to 24 months on qualifying purchases. It also offers non-deferred, equal monthly payment financing with 0% interest for 48 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.
Jan 14, 2021
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 | 25.99% (V) |
|
Purchase Intro APR
|
0% for 18 - 60 months |
|---|---|
|
Transfer Intro APR
|
Balance Transfers Not Allowed |
|
Regular APR
|
25.99% (V) |
| ANNUAL FEE |
None |
|---|
JCPenney Credit Card's Additional Info
| MAX LATE FEE |
$39 |
|---|---|
| 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 |
- Limited time offer - Deferred Interest Details: No interest if paid in full within 18 or 24 months on qualifying furniture & mattress purchases of at least $499 or $999 (after discounts).
- Limited time offer - Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of at least $1,499 or $2,499 (after discounts).
- Last updated on 1/14/2021
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.
What credit score do I need for JCPenney Credit Card approval? Reply 7
ROBERT SAMBRICK
@robsam
The JCPenney Credit Card requires a credit score of 640 or higher for approval. Credit scores aren’t the only factor affecting an applicant’s eligibility for approval, though, as annual income and overall creditworthiness are important, too.
So if you have a high annual income, you might be able to get approved for the JCPenney Credit Card even if you have less-than-fair credit. People in forums online have been approved for this card with scores in the lower 600s, so it’s not unheard of.
7
Upvotes
What is the JCPenney credit card payment address? Reply 2
KAREN MOROZ
@nycKaren
The JCPenney Credit Card payment address is:
SYNCB
P.O. Box 960090
Orlando, FL 32896-0090
You need to have a valid checking account from a U.S. financial institution and the following information:
- Bank name
- Checking account number
- Bank routing number
Alternatively, you can make a payment online or via phone by calling at (866) 419-4096.
2
Upvotes
How do I cancel my JCPenney Credit Card? Reply 8
WalletHub
@WalletHub
You can cancel your JCPenney credit card by calling Credit Services at 1-800-542-0800.
You should be aware 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 does not charge an annual fee. More information can be found in this article.
8
Upvotes
How much is the JCPenney credit card APR? Reply 2
ASHLEY WADE
@shlee
The JCPenney Credit Card APR is 25.99% (V). That's about on par with what other store credit cards charge, but it still isn’t a good interest rate. If you have the JCPenney Credit Card, your best bet is to pay off your balance every month. If you don’t carry a balance, you’ll never have to pay that interest rate.
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
What can I do if I lost my JCPenney credit card? Reply 1
Robert W Polk
@robert.polk
If you lost your JCPenney Credit Card, make sure that you call JCPenney Credit Services at (800) 527-4403 as soon as possible to avoid unauthorized use of your account.
They will then send you a replacement card. There is no need to apply for a new account.
1
Upvote
Can I use my JCPenney Credit Card anywhere? Reply 4
Alicia Kane
@Alicia_K
You can use the JCPenney Credit Card at JCPenney, JCPenney.com, Sephora stores inside JCPenney locations, Sephora.com, Rite Aid, and Riteaid.com. There is also a JCP Mastercard credit card that can be used pretty much anywhere credit cards are accepted.
It’s worth noting that potential cardholders do not get to choose which card they apply for. The initial application is submitted for a basic JCPenney credit card. If the application is approved, the applicant will get the JCPenney store card or the JCPenney Mastercard, depending on their creditworthiness.
4
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
How can I activate my JCPenney Credit Card? Reply 5
Darnell Hampton
@theblackstar15
You can activate your JCPenney credit card online or over the phone, at 1-800-542-0800. You will receive automated instructions to share the account number on the front side of the card.
Once, you follow all the prompt steps then you will receive a notification about successfully activating the card.
5
Upvotes
How can I get a JCPenney credit card pre approval offer? Reply 1
@timpnorman
You cannot check for JCPenney credit card pre-approval. But like all major credit card issuers, Synchrony Bank mails pre-approved offers to certain people who appear to meet the criteria for one of its nearly 100 cards.
1
Upvote
JCPenney Credit Card Reviews
Share your insights and review the JCPenney Credit Card.
Dec 12, 2020
I am extremely dissatisfied with JCPenney Company. The company lowered my credit available down to $500.00 earlier this year (2020), without any reason given. Also I recently made a return to the store which does not show as a credit on my account. I have the receipt, but was unable to solve this discrepancy by phone and will have to go into the store to straighten out. The items I returned I had ordered through the mail and part of that order was of such poor quality, unbelievable. Quality and service has gone down. I have not cancelled the JCPenney credit card due to always striving to improve my credit score. Once my credit score reaches excellent I plan to cancel card and no longer do business with this company. In my opinion it is very sad how far down this company has come. I do not recommend JCPenney as a place to shop or a card to obtain… show more
Comment
Nov 21, 2020
Verified Customer
They live to toy with your credit limit. They decreased my card limit to 1/9 of my previous limit twice this year. This is by far my worst credit card experience with over a dozen banks. Do not get this card and i hope jc penny goes under.
Nov 20, 2020
SYNCB/JCP is not a good credit card to have. They are very totalitarian. They closed my credit line account because I made the mistake to submit a payment through an old bank account that got declined. But, as soon as I received the notification that the payment had been declined, I corrected it. A few days later they sent another notification saying that they were closing my account. I had a credit line of $3,500 and owed less than $300. Ridiculous! And because of that my credit score drop about 20 points. PLEASE DON’T WASTE YOUR TIME!… show more
Nov 18, 2020
They have the worst customer service ever. JCP canceled my order and I fought with JCP for over five months. I just now gave up because they paid off my account with auto pay. The amount we are talking about was under $21. They added interest to that amount when I was in the dispute stage. I will never purchase anything no matter what from JCP. What a joke, they claim they couldn't find the amount I was disputing even after giving it to them time and time again. They do provide my statements. Like others I would give them a minus 100 if I could. No wonder they are going out of business. I would get messages saying thank you for your patience, blah, blah, and they never did anything. I spoke with a supervisor and for under $21 they were going to research it. Again, after five months of dealing with them. They won, it was such a waste of my time for something they canceled. Beware when purchasing items. Let's face it Amazon will monopolize all our shopping, and they deserve too with places like JCP's credit card synchrony bank. Their interest is outrageous, 25.99% and that's with excellent credit. Thankfully they only got $2.51. because I've always paid my balance off. I only had a JCP card for the discounts, definitely don't need Synchrony. A customer with JCP since 1970 and with Synchrony Bank for 20 yrs. and that's how they treat people.
The card has been shredded! That was the last of Store Credit Cards for this person! Beware and shop with AMAZON! At least Amazon listens to their customers and has Chase for their bank!… show more
The card has been shredded! That was the last of Store Credit Cards for this person! Beware and shop with AMAZON! At least Amazon listens to their customers and has Chase for their bank!… show more
Oct 04, 2020
Verified Customer
I had scheduled auto pay for my JC Penney Credit Card. Well after two months I had enough extra cash to completely pay off my balance. They still charged me auto payments for 3 months after that! $145 was taken from me after I had already paid off my balance. I will never shop at JC Penney ever again.
Jun 16, 2020
Verified Customer
I loved the card for major purchases. It offered 0% financing. I used it consistently and had a $13,000 credit line. My last payment was in December, and Synchrony closed the account in May for inactivity. When I called, they said the only option was to re-apply for the card, but with JC Penney's days numbered, I don't know if it's worth a hard inquiry on my credit report ro get a card for a store that will likely cease operations in a few years.… show more
Jun 05, 2020
Verified Customer
Had the card since 12/2019. Had a 1900 credit limit. Never got higher than 500 balance, always paid more than the minimum and kept a low balance. They without warning lowered my limit to just over my current balance. I immediately closed the account and paid it off right after hanging up the phone. I will mever shop jc penney or use synchrony bank again.
Feb 26, 2020
They reduced my credit line to $110 without notifying me. I have a very high credit score and am very unhappy with them. It was embarrassing when my credit was denied at the store because my purchase was slightly higher. Would give them a zero rating if I could. I am cancelling and going elsewhere.
06/16/20
Same thing happened to me. A $13,000 credit line went to $0, allegedly for inactivity. The last activity was in December, 2019, and the card was closed in May, 2020.
Feb 18, 2020
A payment was due before our deposit.I came in 9 days later and paid mine plus extra hundred and they closed mine. WE WILL NEVER USE JCPENNEY AGAIN NOR ANY ASSOCIATION OF. I have been faithful for years. Never Again.. NO REASON FOR THIS.
I have over $1000 available to use. Bad decisions on their part.
I have over $1000 available to use. Bad decisions on their part.
Jan 19, 2020
Verified Customer
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
02/18/20
A payment was due before our deposit.I came in 9 days later and paid mine plus extra hundred and they closed mine. WE WILL NEVER USE JCPENNEY AGAIN NOR ANY ASSOCIATION OF. I have been faithful for years. Never Again.. NO REASON FOR THIS.
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.
02/18/20
A payment was due before our deposit.I came in 9 days later and paid mine plus extra hundred and they closed mine. WE WILL NEVER USE JCPENNEY AGAIN NOR ANY ASSOCIATION OF. I have been faithful for years. Never Again.. NO REASON FOR THIS.
I have over $1000 available to use. Bad decisions on their part.
I have over $1000 available to use. Bad decisions on their part.
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
02/18/20
A payment was due before our deposit.I came in 9 days later and paid mine plus extra hundred and they closed mine. WE WILL NEVER USE JCPENNEY AGAIN NOR ANY ASSOCIATION OF. I have been faithful for years. Never Again.. NO REASON FOR THIS.
I have over $1000 available to use. Bad decisions on their part.
I have over $1000 available to use. Bad decisions on their part.
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
02/18/20
A payment was due before our deposit.I came in 9 days later and paid mine plus extra hundred and they closed mine. WE WILL NEVER USE JCPENNEY AGAIN NOR ANY ASSOCIATION OF. I have been faithful for years. Never Again.. NO REASON FOR THIS.
I have over $1000 available to use. Bad decisions on their part.
I have over $1000 available to use. Bad decisions on their part.
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!
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Last updated on: January 14th, 2021 at 21:42
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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.
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Offer last updated: Jan 14th, 2021 at 21:42 ET