Should i get a jcpenney card

When you use your JCPenney Card, you earn points on a basis for qualified purchases. For all other payment methods, you earn on a 0. This means you earn double the points when you swipe your JCPenney Card. A reward certificate is automatically issued via email or mail depending on your preferred method of distribution and is also accessible through your account at JCP.

Rewards certificates can only be used for JCPenney purchases. Cardholders are treated to extra opportunities to save that are exclusive to them. Regardless of what status you have, you can take advantage of more than special savings days every year. Of course, you can avoid these fees by paying off your balance in full every month. But if you think you might carry a balance on this card, proceed with caution — with high interest rates, your balance could balloon quickly.

For example, you can use your card at the JCPenney salon, optical center, or photo studio. You can also use it to shop at Sephora. There are two levels of fees for late payments. The JCPenney Credit Card is best for those who shop the brand regularly and can benefit from the enhanced Gold or Platinum status perks and rewards bonuses. The special financing offers and rewards points could be a useful advantage for those who plan to make big purchases or already spend a lot with JCP.

This keeps your credit score up and reduces the risk of your limit possibly being lowered and ending up in a maxed out status. JCpenny was great at first, gave me a high credit limi when I was 18 years old.

They increased my credit limit every months, which was great and helped build my credit. Now the bad part, I had the card for a good years, used it at least times per year.

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 months and have not used my cad since. I only used the card occasionally. After they started closing down stores I didn't use my card very much, paid off my balance, which was always paid on time, and I looked at my credit score the other day and it dropped 30 points!

Finally called and got an agent that spoke enough proper English to understand and they told me they dropped my credit limit because I didn't use my card enough. No waring, no email, no letter. I have to use it, which means buying from them, which is like rewarding a company that hurt my credit, or they will close my account. They will drop your credit line if non active after one year and close the account after two years of inactivity.

Just use it at least once a month. Thank you. They reduce your credit limit in increments without warning even when you pay in time. I will never shop there again! I had this card for 15 years, I used it responsibly shopping on holidays and special occasions. Did not have late payments. They randomly check my credit score wich is in the mid s between the to range And after being a loyal customer for 15 years they canceled my card it dropped my credit scores and they said it's because they randomly check credit.

That is a complete crock. I have my credit scores lower before for years at a time and they never canceled my card. Customer service is terrible when I called a, not helpful at all. I asked if I can get my card back on they said no.

So basically I was being punished for using my card responsibly and making more then the minimum each month, no late payments! The situation does not make sense at all I will never shop there or get them my business again. I'll be sure to let everyone I know not to bother because at any time they can be dropped with no real valid reason. They will decrease your limit if you miss one payment and close it when you zero out your balance. Their customer service doesn't want to help, and will treat you like you're trash.

They don't care, and it's not worth it. I never applied for it, they just sent it to me. Do you have a correction, tip, or suggestion for a new post? Contact us here. The responses below are not provided or commissioned by bank advertisers.

Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Frequently Asked Questions. By Evan Zimmer. Apply Now Jump to Alternatives. JCPenney Credit Card. Min Credit Level Fair. Regular APR Frequently Asked Questions Alternatives. Apply Now securely on the issuer's website. Highlights Rewards Balance transfers Fees. Not a fan of JCPenney? See other retail store cards. Was this helpful? Yes No. Requires active Prime membership Cash back can be redeemed for statement credits or at Amazon.

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