Question: How Do I Apply For A JCPenney Credit Card?

How can I get a JCPenney credit card?

Visit the online JCPenney Store locator.

I applied online and was approved.

How long until I receive my card.

Once you’ve been approved for a JCPenney Credit Card online, it will take 7-10 business days to receive your card in the mail..

What credit score do you need for JCPenney?

640+You need fair credit or better to get a JCPenney credit card. That means a credit score of 640+. The fact that you can’t get the JCPenney credit card with bad credit shouldn’t be too big of a deal, though.

What happens if I don’t use my JCPenney credit card?

If you never use it? Not once? They’ll probably close the account for inactivity. If you want to keep the account open, use it at least once every six months, even if you return what you bought.

Does JCPenney give instant approval?

The JCPenney credit card gives instant approval to some applicants who clearly meet the eligibility requirements, but JCPenney does not publicly disclose the exact criteria for earning instant approval.

How long does it take to get approved for a JCPenney credit card?

You will generally be instantly approved for the JCPenney credit card. However, Synchrony Bank, the issuer of the JCPenney credit card, may sometimes need to conduct further verification. If that happens, you could receive a decision within 10 business days at most.

What bank does JCPenney credit card use?

Synchrony BankBoth the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank.

What bank is Macy’s credit card?

Department Stores National BankThe Macy’s American Express Card program is issued and administered by Department Stores National Bank.

Why did JCPenney lower my credit limit?

A credit limit decrease can happen because your spending habits changed, or if your good credit is mixed up with someone else’s bad credit. … A sudden decrease in your credit limit can hit when you least expect it, curbing your buying power and potentially lowering your credit score, but you don’t have to let it stand.

Is it easy to get a JCPenney credit card?

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.

What bank holds JCPenney credit card?

Synchrony BankThe JCPenney Credit Card, issued by Synchrony Bank, could be a compelling option for fans of department store credit cards.

Does shopping cart trick still work 2020?

The “Shopping Cart Trick” for Store Credit Cards. Update for January 2020: This trick doesn’t work anymore for avoiding a hard inquiry. Comenity Bank, Synchrony Bank, and Wells Fargo store credit cards all require a hard inquiry now to get approved. However, you can still use this trick to see if you’re pre-approved.

Can I apply for a JCPenney credit card online?

Applying for a JCPenney credit card is easy to do online. Follow these steps to complete your application: Go to the JCPenney credit card application website. Provide your personal information.

Can I use my JCPenney credit card at Walmart?

You can use the JCPenney Credit Card at JCPenney, JCPenney.com, Sephora stores inside JCPenney locations, Sephora.com, Rite Aid, and Riteaid.com. There is also a JCP Mastercard credit card that can be used pretty much anywhere credit cards are accepted.

Is Target credit card hard to get?

The Target Credit Card credit score requirement is 640 or better. … But because it’s a store credit card, it can only be used to make Target purchases, in-store and online. When you apply for a Target credit card, your credit score is one of the major factors that TD Bank (the card’s issuer) will consider.

What is the easiest department store credit card to get?

Fingerhut Credit AccountThe easiest department store credit card to get approved for is the Fingerhut Credit Account, but that’s only if you count an online retailer / mail catalog as a department store. It’s the only store card you can get with bad credit.