JCPenney® Credit Card

Approval Odds

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2.6 out of 5 stars
43 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3 out of 5 stars

2.5 5

Most Helpful Positive Review

Jun 21, 2016
RebuildingmyScore Cardholder

Love Synchrony Bank!  I was approved for 200 limit with JCP, 300 with Belk, and 150 at Walmart, all with a 654 TU Score.   Now to build my credit with them and wait for a CLI.  These 3 will cover clothes/shoes/gifts/and gas. 

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Most Helpful Negative Review

Jul 10, 2016
Company will turn on you fast...
zechwhite Cardholder

JCpenny was great at first, gave me a high credit limi when I was 18 years old. They increased my credit limit every 2-3 months, which was great and helped build my credit. Loved the discounts and treatment I got when I shopped at JCPenny and they knew I had a JCPenny credit card.
Also it was great being able to use my JCPenny credit card at CVS pharmacy.

Now the bad part, I had the card for a good 3-4 years, used it at least 4-5 times per year. I had a credit limit of $7,500 and had a balance of $1,100.

I missed ONE SINGLE payment by 5 days and they instantly dropped my credit limit from $7,500 to my exact balance, $1,100. It now showed on my credit report that I was using 100% of my credit limit which dropped my credit score a good 30-40 points at the time.

Also my APR went from 14% to 24% overnight.

So after years of using their card and paying on time, I miss one pyment by a few days and rather than slapping me with a late fee they totally throw my credit report out of whack, lower my credit limit, and raise my APR. I was speechless. I paid off my balance in 2-3 months and have not used my cad since.

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These reviews were written by current and former cardholders in the last year.

Mar 20, 2017
Approved $300 with 622 TU
JosepBillcc3 Cardholder

Instant online approval for $300 with Transunion 622 (CK Score) 18 hard inquiries, 47% credit utilization across all my 9 cards (2 with balance).  Issuer Synchrony Bank, I'm in love with the approval and Synchrony.  Thanks Synchrony for the oportunity.

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Mar 13, 2017
Anonymous Cardholder

I apologize on behalf of the other cardholders that have had horrible experiences with the JCP credit card; thankfully, they have never made me feel like having their card was a poor decision. Keep up the great work JCP. 

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Mar 08, 2017
Closed Account
TeresaM316 Cardholder

JCPenny closed my account after three missed payments. I had my son and had post-partum along with a lot of added stress. I didn't manage the bills well during this time, which is my fault. But even after getting my account back under my credit limit, paying all the fees and everything, I was told there was nothing they could do to reopen the account. Discover and Capital One kept my accounts open and even gave me benefits for catching back up.

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Mar 03, 2017
More in fees than my actual limit
Anonymous Cardholder

I was given $100 credit limit. I missed an $11 payment and got charged $37. Could give no explanation on the process of closing the account. Customer service was very rude. 

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Feb 26, 2017
No good never again!
Anonymous Cardholder

They will approve you and continue to raise your credit limit but if you are late even 4 days including holidays they will drop your credit limit the next day even if your payment was in full (including a $25 late fee). Dropped mine $1900. When you call, the managers have no customer service skills. They will argue with you, tell you about how they are working overtime and have to come in on Sundays. It's no wonder JCPENNEY is closing stores using this horrible credit card bank.

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Feb 13, 2017
poor communication
Anonymous Cardholder

found out today my J C Penney credit card close due to non use for 6 months, and never advised me of what they did!!!!! 

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Feb 06, 2017
Anonymous Cardholder

Terrible terrible terrible. Do not get this card. In fact, don't get any lines of credit from Synchrony Bank. Worst company in the world. You'll be in debt for the rest of your life, they screw you over every way imaginable

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Feb 04, 2017
Good approval rating
Anonymous Cardholder

I just applied tonight at work to get in an iCap. I was scared I wouldn't get approved since I have such a low income, but I've heard, and seen, many customers who are happy with it. My mom has had one for years with no issue. With a JCPenney card, you always get an additional 20% off. The application process is simple and easy.

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Dec 21, 2016
Como yonpuedo saber como me fue en mi
Anonymous Cardholder

Quiero saber si me pueden approbar la solicitu

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Dec 19, 2016
If could give a zero star would do so...
Mikemail7 Cardholder

Out of no where Jcpenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with 200 dollar credit then it it increased up to 400 and then up to 600 and few months ago up to now supposed to be 800. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit I  feel they should not base our credit history with outside sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the company. I am so upset with what JCPENNEY credit card services did to me that feel like I no longer want to for the rest of my life shop at jcp. I shopped at all the jcpenney outlets here in San Antonio TX so much that everyone new me and was always happy to see me and greet me. Thanks for bringing a customer joy during this holiday season, happy new year. They only want to take your money and advertise. They don't care about us the customer which with out all you good members, the company is nothing.

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JCPenney® Credit Card