JCPenney stores have been in business for over 100 years; most consumers can recognize the brand with just a glance at any catalog. To continue to grow and attract new customers, JCPenney offers you a credit card.
You can apply for it through its website and start enjoying its benefits from the moment it is approved. The process is simple.
JCPenney Credit Card Application Process
The first thing to do is to enter the JCPenney website and look for the “credit card application” tab, where there is a form where you must add all the personal information requested by the website.
Some information is your annual income, whether you own your home or live in a rental, among other details. You also need to prove that you are over 21 years of age, which allows you to include the general income of your household.
When this information is processed, it is time to choose the desired options on the credit card; if you want to receive your electronic statements, add authorized users or be part of the card’s security.
When all the information is correct, it is time to “continue” to apply. The agents will verify the information. If you have good credit and the information is positive for them, they can approve you instantly, and you will receive the credit card within 7 to 10 business days.
You can use the account created for your credit card within 24 hours of approval if you bring a valid photo ID to customer service at your nearest JCPenney store.
You can also apply for a temporary card to start shopping immediately. If you are not approved instantly, you don’t have to worry, some take a little longer, and JCPenney will contact you via mail after 7 to 10 days.
Applying for a credit card at the JCPenney store
If you don’t like doing the whole procedure online, you can visit your nearest JCPenney store and apply in person or use it as an associate. You will be asked for the same information, but you must submit everything in physical form this time.
For any questions regarding the requirements before heading to the store, you can contact JCPenney customer service at 800 – 542 – 0800. One of the benefits of applying for a credit card at a JCPenney store is that they have special sign-up bonuses for your card.
If you have approval, they might give you 15% off any purchase you make that same day. The credit line you will have depends on your application, but JCPenney allows you to apply for an increase later.
How to get a secure JCPenney credit card approval?
The decision is up to the agents in charge of reviewing your documents, but to have a better chance of being chosen; you can consider a few factors. Mainly, keep track of your credit score and credit report.
Avoid any mistakes and try to have a good score; that will give you a better chance of getting a positive response. If you don’t have a good score, you should wait a bit and start paying off your debts to improve them.
JCPenney Credit Card Benefits
The JCPenney credit card is issued by Synchrony Bank, making it an attractive option for those who enjoy department credit cards with good benefits. Whenever you pay with your credit card, you receive one point for every dollar spent.
Once you have 200 rewards points, you will receive a $10 JCPenney rewards certificate to buy whatever you want in eligible products at the store. The best part is that you can accumulate rewards later redeem on a larger purchase online and in their physical stores.
They will also give you bonus points, coupons, and special offers on your birthday, every month, they can offer new benefits for their cardholders.
JCPenney Credit Card Factors to Consider
It would help if you were careful when purchasing your new JCPenney credit card because it has a high purchase APR of 25.99%. If you have collected your rewards and want to use them on a single large purchase, you should consider that you can only use 2000 transaction points per transaction.
You should avoid having outstanding bills; this will generate too high-interest rates. The JCPenney credit card is a closed-loop card, meaning you can only use it at your website, physical stores, or partners.
How do I pay for my JCPenney credit card?
The simplest way is through the company’s website; by creating your account, you can easily keep track of your account status and outstanding invoices. It also allows you to link your checking account to make your monthly credit card payment.
One of the benefits of its platform is the ease of use; everything is perfectly detailed, so for your payments, you only have to follow the instructions on the page. You can also pay by mail by sending the payment coupon to SYNCB PO Box 960090 Orlando, FL 32896 – 0090.
However, it is best to make your payments online or send the coupon to the post office several days in advance to avoid the maturity of your debt.
Keep in mind the interest charged when prices are late or returned; for additional information, you can call customer service at 800 – 542 – 0800.