How to Apply for JCPenney Credit Card
Well, it is known as JCPenney Credit Card. Seems many users online want to know about this credit card and how they can be able to make use of the card.
I am going to share with you how you can simply create an account on the platform, also sign in and able to apply, and also activate your card online. All you should do is to keep on reading and you will get all the necessary information needed. Let’s see what this JCPenney is before moving further.
www.jcpenney.com
The JCPenney credit card, that is been issued by Synchrony bank, is a store card that offers users rewards based on their level of spending. With this card, you can simply earn 1 point per $1 spent with your JCPenney Credit Card; also Earn 1 point per $2 spent any other way you pay. That rate is the same whether it’s in-person or online. That is double the rate you will then get as a JCPenney rewards member without the card.
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Depending on how much you also spend on purchases throughout the year, you can even earn Gold or Platinum status. These statuses entitle you to some extra benefits including additional discount days and special coupons.
While this card could be decent for loyal JCPenney customers, its use is also limited only to JCPenney stores. This severely hampers its applicability in day-to-day life. You would likely be better off with a card that earns cash back everywhere you spend, to use as you want.
JCPenney Credit Card Rate and Fees
Interest Rates
- APR: 22.74% variable APR on purchases.
- APR on Cash Advances: None.
Fees
- Annual Fee: $0.
- Balance Transfer Fee: N/A.
- Foreign Transaction Fee: 3% of each transaction.
- Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
- Card into Balance Transfer Fee: N/A.
- Late Penalty: Up to $37.
- Returned Payment: None.
Pros and Cons of JCPenney Credit Card
Pros
- No annual fee.
- Earn 1 rewards point for every $1 spent at JCPenney or jcp.com.
- $10 in JCPenney Rewards for every 200 points you earn.
- Tons of ways to exclusively save at JCPenney.
Cons
- High purchase APR.
- Reward points don’t expire as long as you earn points at least once every 12 months.
- Rewards certificates expire within a few months.
- The card can only be used at JCPenney and affiliated stores.
How to Register for JCPenney Account Online
If you want to register for the JCPenney online all you have to do is to follow all the steps given below:
- Find your account number on your JCP credit card or statement.
- Then from the JCPenney online credit center, you should click the “Register” button.
- Also, enter your JCPenney card account number and also billing address ZIP code.
- Then click “Continue” to simply choose your user ID and password.
How to Login to JCPenney Account
To login to your account is pretty easy all you have to do is to read and follow the instructions that are given below:
- Go to the website http://www.jcpcreditcard.com/ and then you should enter your User ID and password.
- Once you have done that, click the sign in or login button.
And you will get access to your JCPenney account online.
How to Apply for JCPenney Credit Card
If you are been wondering how you can apply for this credit card is very easy all you have to do is to read and follow all the steps given below:
- You can simply apply for a JCPenney Credit Card both online and in person at your local store. To apply online, go to JCPenney’s Online Credit Center. Then provide your name, address, phone number, and email address, date of birth, Social Security number, and annual income after taxes.
- Then you will be asked to choose several options and also review the terms and conditions associated with the card. The application will then be sent to Synchrony Bank for review; you will typically receive a decision immediately.
- When you then apply in a store, a sales associate will then walk you through the process, and also you will have to provide the same information. You will also usually get an immediate decision. JCPenney credit card applicants with a credit score considered “fair” or higher are typically approved.
- The JCPenney credit card members can then pay their bill online through JCPCreditCard.com, in person at a JC Penney store, or simply by mailing a check or money with the payment slip that comes with the monthly statement. Checks or money orders can be mailed.
How to Activate the JCPenney Credit Card
If you want to activate your JCPenney Credit card just read the guidelines below for assistance:
Phone Activation:
- Call the phone number that is listed on the label on the card from the phone you have associated with the account.
- Enter the account number located on the front of the card.
- You might be asked to enter the last four digits of the Social Security number, the date of birth, or the mother’s maiden name of the primary cardholder.
- Then simply wait for the voice notification confirming that your card has been activated.
Online Activation:
- Go to the web link jcpcreditcard.com/activate/load?clientId=jcpenney&langId=en and click on Activate Your Card.
- You will have a choice to either enter your User ID and also Password for an existing account or register and create an account to activate your card.
- Now enter the account number located on the front of your card and then click “Next.”
- You might be asked to enter the last four digits of the Social Security number, the date of birth, or the mother’s maiden name of the primary cardholder.
Once you have submitted the information then your card it will be activated or you will be given a time in which your card will be activated.
Can You Use A JCPenney Card Anywhere?
You can even use the JCPenney Credit Card at JCPenney or JCPenney.com or partner stores, which also include Sephora stores inside JCPenney locations, Sephora.com, Rite Aid, and Riteaid.com. There is also a JCPenney MasterCard credit card which can be also used anywhere, just as you would any credit card.
What Credit Score Is Needed For The JCPenney Credit Card?
You will likely need very good credit to qualify for the JCPenney Credit Card account. This means having a score of at least 640 or higher. If you do not have a good enough credit score for the JCPenney Credit Card, then work toward improving it before you apply.
Can You Pay Your JCPenney Credit Card Bill Online?
You can also simply pay your JCPenney Credit Card bills online in the JCPenney Online Credit Center. You just need your JCPenney account information, and then a way of making the payment electronically — either by using another card or your bank account information.
