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JCPenney Credit Card – Checkout This Top 10 Review Before Applying

You have to note that every JCPenney credit card is issued by Synchrony Bank, to apply for this store credit card that is especially designed for JCPenney loyal shoppers and patrons, kindly check out the information on this page.

The card can be used exclusively at any JCPenney Stores as well as its online stores: jcp.com and Sephora.com. JC Penney Company Inc. is an all American department chain store which has over 800 branches across the US and Puerto Rico.

It is known for its quality exclusive clothing brands such as St. John’s Bay, Arizona Jean, Xersion, Worthington, a.n.a, and Ambrielle.

The store also offers JCPenney home goods and is home for several chartered sections such as Sephora, jewellery repair and Seattle’s Best Coffee, among others.

Benefits of JCPenney Credit Card

JCPenney Credit Card holders are entitled to many benefits in using the card for purchases.  You will receive a 15% discount on your first purchase when using the card and 5% for your purchases in appliances and Modern Bride Diamond Vault.

You also earn reward points of 0.5% for every purchase. Earning 200 points translates into $10 reward.  Use of the credit card also provides shopping certificates and special financing exclusive to cardholders.

For regular users, you can qualify for special membership statuses through which you can receive birthday gifts up to $15 and free shipping costs to your purchases. And you can enjoy the benefits of a JCPenney Credit card without the upsetting annual fees.

Interest Rates of JCPenney Credit Card

The JCPenney Credit Card has an APR (annual percentage rate) of 26.99%. While many reviewers lash on the relatively high interest rate of the card compared to other cards, the APR is actually irrelevant if you pay your balance in full and in time every month.

The idea of the JCPenney Credit card is to reward patrons in making purchases and not to encourage people to buy in credit. Note that aside from the high APR, the card provides a very expensive $38 late penalty fee for late payments.

These features are designed to discourage JCPenney credit card holders to carry a balance on their credit card every month.

How to apply for a JCPenney Credit Card?

If you are a regular shopper at JCPenney, then getting a JCPenney card can be very useful especially if you’re intending to make a big purchase. To apply for a JCPenney credit card, the fastest and most convenient way is to do it online.  You should be at least 21 years of age and a resident of the US or Puerto Rico.

Simply go to the https://apply.syf.com/eapply/eapply.action?clientCode=JCPCON or JCPenney application website. Simply enter your personal information in the application form which would include your name, address, household income, social security number, etc.

The next page of the application contained options about your card including how statements will be received, addition of authorized user and insurance features, etc.

After submitting your application, you should wait for at least 7 banking days for a response from the bank.  After receiving notice of approval, you can immediately use your account to make purchases.

Simply bring an ID with photo at any JCPenneybranch which will issue you a temporary card. Later, you will received you card via mail then you need to call customer service for card activation.

READ ALSO: TJMaxx Credit Card

How to log in in your JCPenney Credit Card Online Credit Centre?

Synchrony Bank allows its JCPenney credit card holders to have an easy access to their account online.  Though its online credit card centre, you can manage and transact conveniently through its e-services without going to the bank.   You can view you statement of account to check your purchase details, your current balance and available credit.

There’s also option for you where you can pay your bills online although online recurring payments are not available at the moment.

You can change bank information and your personal account information.   You can report if your card was lost or stolen.

Before you can log on to your account online, you must register and create an account by entering your card number and zip code and create user name and passwords.

Once registered, you can now log in to the JCPenney Credit Card Online Credit Centre by simply clicking the log in button and entering your username and password. Once logged in, you will notice that your browser will be in a secure mode which is marked by a lock or key at the bottom of the page.  All information is secured all transaction are encrypted.

Note that the webserver of JCPenney credit service may not be available from midnight to 6:00 am eastern time for regular maintenance.

READ ALSO: Gander Mountain Credit Card

Calling your customer care number

While the JCPenney Credit Card Online Credit Centre provides almost all of the crucial services that you may need, you may also opt to call the JCPenney customer care for emergencies and other needs. For one, calling customer service is required for activating your card.

You may also need to call them when your card is declined or not working. You can call them to request a credit line increase at the point of purchase.

In general, the JCPenney credit card customer support services act as your go to guy whenever you have any question regarding your account including rewards and other promotional incentives.

For internet support U.S. card members may call 1-800-527-4403 while residents in Mexico can call 011-800-527-4403. For general inquiries and assistance, US residents may call 1-800-542-0800 while cardholders from Puerto Rico and the U.S. Virgin Islands can call 1-800-981-8400.

How to recover the card when lost?

When your JCPenney credit card is lost or stolen, you should immediately notify JCPenneythrough its customer support service or the JCPenney Credit Services, so that the card can be quickly deactivated and prevent any fraudulent use.

After receiving the report, customer service will instruct you on how to replace your card.  It is only when you have reported lost card and the same was deactivated can you request for a replacement of your card online.

READ ALSO: Sears Credit Card Customer Service Number

Payment address for JC Penney Credit Card Bills

Synchrony Bank provides the best convenience for cardholders when it comes to payment of bills. You may pay your bills by mail to any JCPenney department store nearest to you. Visit the JCPenney store locator to find addresses of its different branches.

You may pay your bills online by logging to the JCPenney Online Credit Centre and selecting the pay your bill online services. You may also mail your payment in the following address: SYNCBP.O. Box 960090 Orlando, FL 32896-0090.

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