Is jcpenney credit card good
Does a JCPenney card build credit?
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.
What credit score do you need for JCP card?
The JCPenney Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the JCPenney Credit Card.
Is it easy to get approved for a JCPenney card?
Approval Requirements & Application
The JCPenney Credit Card is cited as one of the easiest cards to get, and reviewers have reported being approved with credit scores of all types. You can apply online in minutes through the link below, or head into your local JCPenney store to fill out an application.
Are JCPenney credit cards still valid?
Currently, the JCPenney credit card can be used for purchases at JCPenney, JCPenney.com, Sephora stores inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com. At this time, the card cannot be used for purchases at stand-alone Sephora stores.
Can I use my JCPenney card at Walmart?
No, JCPenney credit cards are exclusively used at JCPenney stores, JCPenney.com, Sephora sites inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com. Therefore they cannot be used at Walmart.
Who does JCPenney pull credit from?
JCPenney Credit Card reports the card’s credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Synchrony Bank may use a specific credit bureau more than another, depending on the applicant’s home state, and other factors.
What bank issues JCPenney credit card?
The JCPenney Credit Card is issued by Synchrony Bank.
Can I use my JCPenney card anywhere?
The JCPenney Credit Card is a closed-loop card, which means you can only use it to make purchases in JCPenney stores or through JCPenney.com.
How long does it take to get approved for a JCPenney credit card?
You could be instantly approved and receive your card within seven to 10 business days. You can use your account 24 hours after approval if you bring a valid photo ID to the customer service area in any JCPenney store and ask for a temporary card.
Does JCPenney do a hard credit check?
Yes, the JCPenney Credit Card will do a hard pull on your credit when you apply for it. This might have a short-term negative effect on your credit score. And since there’s no way to pre-qualify for this card, you better make sure you have a credit score of at least 640 (fair credit) to be considered eligible.
What is the annual fee for JCPenney credit card?
There is no annual fee for this card. When it comes time to pay your bill you’re not only going to want to make sure you are on time because of the high APR. There is also a penalty fee of up to $38 on late payments.
Why did JCP lower my credit limit?
There can be many reasons why JCPenney Credit Card lowered your credit limit. Most of the times it’s because: You missed a few payments. You haven’t been using your card.
Can I use my JCPenney card at Sephora?
Sephora accepts a JCPenney credit card for purchases on Sephora.com. Just select JCPenney as the credit card type in the billing section of checkout. All terms and conditions associated with the JCPenney credit card apply when used on Sephora.com.
How do I pay my JCPenney credit card bill?
How To Make a JCPenney Credit Card Payment Online
- Go to the JCPenney online payment center and log in using the user ID and password you selected.
- Select the “Pay my Bill” link.
- Enter your checking account information, payment amount and payment date. You’ll also need your bank’s routing number to complete the payment.
Which JCPenney card is better gold or platinum?
Platinum cardholders usually earn more rewards points per $1 spent than gold cardholders. As an example, a standard rewards card may offer 1 point per $1, while the gold version offers up to 4 points per $1 and the platinum offers up to 5 points per $1.