Does the JCPenney credit card report to all bureaus?
1
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James D richard
The JCPenney credit card reports to the three big consumer credit bureaus, TransUnion, Experian and Equifax, on a monthly basis.
JCPenney Credit Card
JCPenney Credit Card
Info about JCPenney Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards651Reviews114Q&AContactRewardsAPREditor ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
Rewards
Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, watches, salon products, furniture, mattresses, home, blinds and shades. Plus 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
APR on Purchases
0% intro APR for 18 - 48 months, 26.74% (V) APR after that
Balance Transfer
Balance Transfers Not Allowed
Editor's Take
by John Kiernan
June 30th, 2022
JCPenney Credit Card Pros & Cons
No membership fees
15% discount initial rewards bonus
Qualify with fair credit
High Regular APR
Deferred interest
JCPenney Credit Card's Additional Info
| cash advance fee | N/A |
| cash advance APR | N/A |
| foreign transaction fee | N/A |
| smart chip | No |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
Limited time offer - Deferred Interest Details: No interest if paid in full within 18 months on qualifying furniture & mattress purchases of at least $499 (after discounts).
Limited time offer - Equal Payment Financing: 0% APR for 48 months on qualifying furniture & mattress purchases of at least $1,499 (after discounts).
Questions & Answers
Can't find what you are looking for? Submit your question about JCPenney Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Applied havent heard anything yet
1
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Are JCPenney Credit Card authorized users reported to the credit bureaus?
1
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Anne Williams
The JCPenney credit card's activity is reported to the credit bureaus, including that of authorized users.
How much do I pay to get this card?
1
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Trent Boshkin
You don't have to pay anything, just apply.
Does a JCPenney credit card show on your credit report?
1
UpvoteReply
@truth_stings
Yup, just like any other line of credit.
Can a disabled person apply for the JCPenney Credit Card?
1
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Will I need ID to use my card?
1
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WalletHub
Merchants should not require ID if the credit card is signed. However, if the credit card is not signed, they may require some form of identification for security purposes. You can learn more about that here.
Who do I write a check out to when sending a JCP payment?
1
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WalletHub
If you want to pay your credit card bill by sending a check via mail, you should make the payment out to JCPenney Credit Services and mail it to SYNCB, P.O. Box 960090 Orlando, FL 32896-0090.
How do I know if I've been approved if I signed up at the store?
1
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WalletHub
If you did not receive an immediate response to your credit application, you will receive a decision via mail in 7-10 business days. Then, if approved, the card should arrive in another 7-10 business days. Best of luck!
What's the JCPenney credit card approval time?
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Compare The JCPenney Credit Card
Purchase Intro APR0% for 18 - 48 months
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR26.74% (V)
Regular APR17.99% - 26.99% (V)
Regular APR26.99% (V)
Rewards Rate1 point / $1
Rewards Rate1 - 5% Cash Back
Rewards RateNone
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JCPenney Credit Card Reviews
Share your insights and review the JCPenney Credit Card
3.3
651 reviews
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4 Star Rating
Verified CustomerI love shopping at JCP because of the quality & great deals, especially on the holidays. However, it takes a while longer to get packages after ordering online & twice as long as Walmart or Amazon.
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3 Star Rating
Verified CustomerI just don't shop there that often. Maybe for dressy clothing but not everyday. I have gotten some good deals there. Plus I don’t go to the mall that often
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1 Star Rating
Verified CustomerI don't have a JCPenney card and yet this shows up on my credit.
Can someone tell me why? I have contacted JCPenney and have been
assured that I owe nothing. I do not have a card. I do not want a card.
Yet, it shows up on my credit and no one will help me to get this off.
Recently someone even tried opening a JC Penney card in my name.
Can someone tell me why? I have contacted JCPenney and have been
assured that I owe nothing. I do not have a card. I do not want a card.
Yet, it shows up on my credit and no one will help me to get this off.
Recently someone even tried opening a JC Penney card in my name.
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1 Star Rating
Verified CustomerThe bank that runs this card is hard up for increases or may give you a high limit & then take more than half back. I've had the card since 2018 & have never gotten an increase & thus have never missed a payment!
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5 Star Rating
Verified CustomerWhen I applied for this card over 4 years ago , I had gotten a small credit limit , over time as my payments were good , and I was always on time with my payments they kept increasing my credit limit . They just increased my limit again a few months ago . Very blessed that I learned from a young age to be smart with my money and to never ever let a bill lapse to end up paying a late fee.
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5 Star Rating
Verified CustomerI had this account for years ,always paid , come in handy to buy my children school clothing and shoes .Also x-mas years ago , I didn't owe them anything when closed.
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1 Star Rating
Verified CustomerNot even worth it. My original limit was $1300. I've paid it off 3 times since I opened it within 5 years and they had the nerve to lower my limit. Never been late or defaulted. I will never use their credit card again. I rather go somewhere with better quality items anyway. Will be calling to close it out. I'll take the credit hit.
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1 Star Rating
Verified CustomerI opened my JC Penney charge card before the pandemic, so I didn't get the chance to use it often because the stores were closed. I just found out that my credit limit was decreased by almost 2,000.00 without notice due to ACCOUNT INACTIVITY. I called and a supervisor said they don't need to send letters or alert to let you know they had dropped your limit. Supervisor suggested to ask for a credit increase just to restore my credit line limit.
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5 Star Rating
Verified CustomerJ.C.PENNY'S has alot of specials and deals . Great customer service and I'm more than happy with this store. I Already paid off my card. There is no balance due.
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5 Star Rating
Verified CustomerThe card is convenient. I don’t like to shop. I especially am not fond of having to go to a mall. My husband will only wear black & gold underwear from here. Thanks for making us both happy!
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Offer last updated: Jun 30th, 2022 at 08:30 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
Not Offered
REGULAR APR
17.99% - 26.99% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 5% Cash Back
BONUS OFFER
None
MINIMUM CREDIT