JCPenney Credit Card

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.

You can cancel your JCPenney Credit Card by calling credit services at (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 has a None annual fee. More information can be found in this article.

It is hard to say how often applicants get instant approval for the JCPenney Credit Card. Generally, this 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.

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.

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.

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.

You can request a JCPenney Credit Card credit limit increase online by signing in to your account or by calling (800) 542-0800. The issuer will also periodically review your account to assess if you’re eligible for one.

Your best chances of being granted an increase are if you’ve been paying your bills in full and on time. It also helps to improve your credit score and income since opening the account.

Don’t request an increase too often, though, because it results in a hard pull and it could hurt your credit score for a short period of time.

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.

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

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

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

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