JCPenney Credit Card Login, Payment, Customer Service and More

If you are a shopping lover and reside in the US, JCPenney would be a name not unknown to you. JCPenney is one of the biggest American department store chains with 669 store locations across 49 states of the US. The store chain is known for apparel, optical, home, jewelry, beauty merchandise, and related products.

The distinguishing thing about JCPenney is that it has consolidated all the national and private brands under one roof and at an exceptional value. If you are a regular shopper of JCPenney, you won’t mind getting exclusive offers, discounts, and benefits from your favorite store.

Fortunately, JCPenney has a loyalty program and credit card that entitles the customers to exclusive benefits. However, many people are unaware of store credit cards or closed-loop cards.

In this article, we are going to talk about the JCPenney credit card, a closed-loop card you can use for purchases at JCPenney or Sephora. We will talk about the credit card account login, payment methods, customer service, qualification criteria, and the application process.

So let’s get into it.

JCPenney Credit Card

JCPenney credit card is a great way to reward yourself when shopping at any JCPenney store. So, JCPenney has partnered with Synchrony Bank to issue closed-loop store cards for customers. You can earn points, get exclusive offers, and get upgraded to the upper tier depending on your spending at JCPenney stores.

The JCPenney store card has three tiers: Basic, Gold, and Platinum. Therefore, we can easily say that the JCPenney credit card is a great deal for loyal customers. If you are a JCPenney lover, the credit card has great value in it.

Benefits Of JCPenney Credit Card

What are the different benefits you get entitled to when you choose to own a  JCPenney credit card?

Here are the benefits of the JCPenney Credit Card:

No Annual Fee

There is no hidden charges or annual fees the credit card company of JCPenney would charge to the customers who own the JCPenney credit card. Therefore, you can enjoy having your JCPenney credit card without worrying about the annual maintenance fee.

Perks And Discounts

When you choose to pay with a JCPenney credit card, you can earn an exclusive discount of 15% off on the selected(eligible) purchases. The 15% discount is available on items like beauty & salon products, apparel, accessories, etc. If you purchase electronics, you get a 5% discount with your JCPenney credit card.

Besides, you also get 150+ credit savings in a day by just signing up for a JCPenney credit card. However, keep in mind that these 150+ credit savings are a one-time benefit. Another exclusive perk of JCPenney cards is birthday gifts for cardholders.

Easy To Qualify

The qualifying criteria for JCPenney credit are not too complicated, and you can qualify for the card if you have an acceptable credit score. Therefore, you don’t have to worry about pre-approval or qualifying terms of JCPenney.

Not A Higher APR

The credit card charges you an APR of 22.74%, which is fairly better than many other closed-loop cards. And it’s only applied to purchases. However, you can avoid any interest payments by ensuring you have paid your due amount before the last date.

There is 0% APR on the cash advances, but you have to pay a fee of $10 or 5% of the cash advance, whichever is higher.

Earn Points On Purchases

You can also earn points on purchases at JCPenney. Each $2 spent on JCPenney earns you 1 point. Not only this, but once you have completed the reward of 200 points, you get an exclusive reward of $10 in your JCPenney mobile app.

Ease Of Use

You don’t have to manage too many accounts with the JCPenney credit card. Instead, you can manage your credit card offers, discounts, payments, etc., with the single JCPenney app.

Do I Qualify For JCPenney Credit Card?

Do I qualify for the JCPenney credit card? This is the question many of you will be wondering about. After completing the application process, you can only know if you are eligible to receive the credit card. However, the general criteria for qualifying for the credit card are as follows:

  1. Legal US residents with residence proof
  2. Your age is 18 or above
  3. You earn enough to cover the monthly payments and expenses.
  4. You must have a fair credit score of 640 or above
  5. In case of low annual income, you have assets like real estate holdings, retirement accounts, etc.

You can check all the 5 points we have listed in the qualifying criteria. If you fulfill most of these conditions, you should not be worried about your JCPenney credit card approval.

How To Apply For JCPenney Credit Card?

There are two ways to apply for a JCPenney credit card. You can use any of these two methods:

Online

Follow these simple steps to proceed with the online application for the credit card:

  1. Go to the official webpage of the JCPenney credit card application here.
  2. The application page will open, and you must enter your personal information. The information needed includes the last 4 digits of the SSN/ITIN and mobile phone numbers.
  3. Tap on Continue, and a new page will open where you have to enter your name and address.
  4. Proceed to enter further details like email address, date of birth, phone number, last 4 digits of SSN, net income, etc.
  5. Once you have added the information, click on Apply and wait for the completion of the review process.
  6. If you are approved, Synchrony bank will mail your card within 7 to 10 business days.

In-Store Application

You can also visit the JCPenney store to apply for your card. Provide the information to the store representative to proceed with the credit card application.

How To Activate Your JCPenney Credit Card?

There are two ways to activate your JCPenney credit card as well. Let’s discuss each of them.

Via Activation Page

You can visit the official webpage for JCPenney credit card activation here. Enter the required details like card number, security code, last four digits of SSN, etc. Review the information, and tap on Activate My Card button.

Card Registration

You can also activate your JCPenney account via online account registration. Here is what you need to do for card activation:

  1. Visit the official webpage for registration of the JCPenney credit card online account here.
  2. Enter your account number and ZIP code > Proceed.
  3. Now enter the personal details as asked on the next page. Review the details and tap on Submit.
  4. Follow the on-screen prompts and instructions to complete the activation process.

Via Phone

The third option for card activation is calling the JCPenney customer service hotline and proceeding with the activation process.

Here is what you need to do:

  1. Get all your personal and card information in one place.
  2. Make a call on the customer service hotline that is as follows: (800) 542-0800
  3. Talk to the customer service representative and request the card activation process.
  4. Follow the process as instructed by the representative and complete the activation process.

How To Make JCPenney Credit Card Payment?

If you want to make JCPenney credit card payments, there are four different ways to proceed.

Online

For online payment, log in to your JCPenney credit card account. Go to Pay My Bill menu, follow the on-screen prompts, and proceed with the transaction.

Mail

You can also make your JCPenney credit card payment by sending the check or money order to Synchrony bank. Check the due amount from your online account and write the check for that amount. Alternatively, you can purchase a money order for the due amount. Make sure you also write the credit card number on the check.

Mail the check to the following address:

SYNCB

PO Box 960090

Orlando, FL 32896-0090

By Phone

To make your JCPenney credit card transactions via phone, you must have all the information on hand. The hotline for payment via phone is 1-800-527-4403 (toll-free). Once you have made the phone call, follow the automated instructions to proceed with the payment.

In-Store

You can also opt to pay your due bill by visiting the Synchrony bank branch. Have your personal information and ID proof with you; visit the Synchrony bank branch during normal business hours. Request them to help you with your credit card bill and complete the transaction.

Customer Service

If you want to contact the customer service of JCPenney or Synchrony, here are different ways you can leverage:

Phone

Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 800-527-4403

Mail

Alternatively, you can send your credit card-related queries to the mailing address of JCPenney. You will use the same mailing address when trying to make a JCPenney credit card payment via mail.

Here is the mailing address of the company:

JCPenney Credit Card

PO Box 960090

Orlando, FL 32896

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