JCPenney Credit Card Review

What about JCPenney Credit Card? The Card of JCPenney is applicable only at their store where you can get a single point for every dollar you spend. The customers can also obtain several discounts and get offers through the whole year.

Related articles about JCPenney Credit Card

What to do if I lose my JCPenney credit card?

Should you get a Walmart credit card?

How to fill out the JCPenney credit card application online

Reward point

For every dollar, you spend you will get one of such point, and you will receive $10 when obtaining 100 points. It is possible to get ten reward certificates each month. If you do not utilize the points, they will expire in the last week of every month. In that case, you will have to spend one hundred dollars each month to get rewards for purchases. If the total bill adds up to $99, that will not be helpful unless you pay another dollar and make it one hundred. Also, in the same way, $199 will not help unless you make it a two hundred.

JCPenney Credit Card

JCPenney Credit Card

The advantages

When you first get the JCPenney credit card, you will get a 20% discount and 10% for watches, mattress, custom blinds, and furniture. You can get two upgrades for the card: Platinum and Gold. It is quite simple to make yourself rank in Gold Credit Card because all you have to do is spend $500 and when you spend $1000, you will become Platinum.

Throughout the year, you can get offers and discounts for custom decorating house products, fine jewelry, window treatments, mattresses, and furniture.

Conclusion

Being the owner of the card is only going to be advantageous if you utilize it sensibly. If the annual percentage rate is high, every month’s balance should be clear as fast as possible to have low or zero interests.  Experiencing interest can make your experience with this card a bad one, and you will not be happy with the benefits after that.

You should follow this tip and shop smartly. Whenever you are shopping there, make sure that you can reach $100 because $99 will not help. For the one hundred dollars, you will get a reward so always keep in mind and maximize your shopping.

To help you, here are some things that you should buy from them if you are thinking of making your bill cross one hundred dollars. First of all, try mattresses. If you are in need of a mattress, do not go anywhere else instead buy from JCPenney as that will cost more than $100 earning you a reward point. Instead of shopping for brands from JCPenney such as Nike, Columbia, Disney, Le Creuset and Hunter Douglas you should look for other things that will be beneficial for you. If you buy shoes, you can easily reach $100 and get four pairs each year will get you $15.

What to do if I lose my JCPenney credit card?

What to do if I lose my JCPenney credit card? Credit cards are not something big like furniture or your car that they would also be in front of you and it is almost impossible to lose them. Even large items such as cars, mobile phones and laptops get stolen despite the fact we are always keeping our eyes on them and they are not small in size. Consider something small in size such as your JCPenney credit card.

Related articles about What to do if I lose my JCPenney credit card

Getting a Sears credit card for big purchases

How to fill out the JCPenney credit card application online

Should you get a Walmart credit card?

There can be many ways you lose them. If you are not an organized person, there is a chance of losing it because it can get lost in the pile of papers you have. If you have a pet it can also happen that it carried it with its mouth and dropped it somewhere which is impossible to find. Another situation that you will not expect but can happen is if someone steals it to buy items at a discount price or avail the offers according to the JCPenney credit card services.

Someone might steal it because it can be difficult for them to maintain a JCPenney credit card account. The JCPenney credit card annual fee is $0 but some people may find it hard to understand the terms or pay off the interest. Anyways, let us get to the point. If you have lost it, call the JCPenney Credit Services.

What to do if I lose my JCPenney credit card?

What to do if I lose my JCPenney credit card?

There are three methods you can try and the first one which is the quickest and simplest is communicate them through phone. If they do not pick the call or your problem still persists, contact them through mail.

If you are a resident of the United States call here: 1-800-527-4403 for web support or 011-800-527-4403 for if you are living in Mexico and 1-800-542-0800 for relevant inquiries. The timing is:

Monday to Friday from 7 in the morning till 12 am midnight (eastern time)

Saturday to Sunday from 9 AM till 12:00 AM (eastern time)

If you are from U.S. Virgin Islands or Puerto Rico call this number: 1-800-981-8400 at this hours

Monday to Friday from 7 AM till 12 AM (eastern time)

Saturday to Sunday from 9:00 AM to 12:00 AM (eastern time)

Now you can see that they are not available for help 24 hours unlike many places which provides customer support 24/7, therefore you can try sending them an email.

For a lost or stolen credit card, you have to send them a private message by logging in to your JCPenney credit card account.

You can send them a written mail in their JCPenney credit card address

JCPenney Credit Services

Customer Service C/O SYNCB

P.O. Box. 965009

Orlando, Florida 32896-5009

And the other one is for Puerto Rico

JCPenney Credit Services

customer service C/O SYNCB

P.O. Box. 364788

San Juan, Puerto Rico 00936-4788

Should you get a Walmart credit card?

If you are just getting involved with the idea of credit cards, the Walmart one sounds good. Walmart is known for selling products at a low price compared to other brand stores. They have been successful for more than the last 20 years in this department. They are the leader in the nation when it is about sales. Since it started in 1962, it has been expanding since then. They have billions of sales in many sectors, and they make profits more than billions of other stores. As you can see that they are at the peak of the competition. Let us see how their credit cards can help us.

Related articles about Walmart credit card

What to do if I lose my JCPenney credit card?

How to fill out the JCPenney credit card application online

Getting a Sears credit card for big purchases

If Walmart is your favorite store or you like their products, you should think of getting the card. If you do not have enough knowledge about their items, you can check their website. You should know that everything they sell is genuine and of high-quality. Shopping online at Walmart is the biggest advantage. It is so flexible and convenient that you cannot image. You can browse items being in your night dress. There is no waiting in lines or being patient as the assistant aid you with the purchase. You can shop within seconds just by browsing. The second interesting fact about Walmart is the price. You will get cheap deals because the products come directly from without any other source or middleman.

You should get a Walmart credit card because you can get different kinds of discounts such as saving money on gas. If you visit Walmart gas station and are the credit card holder, you can reduce 5 cents for each gallon. There is no yearly fee, and there is a credit score from FICO that you get for free. While you get the credit card, ensure that you can pay the APR which is somewhat like 22.9 percent. If you are someone who is serious about paying their credit card balance, this should not be trouble. Look on the bright side, when you utilize the Walmart MasterCard you can get 1 percent cash back on your purchases. They already ask for a less price than most stores in the United States. Will it not be nice if they give you a rebate?

Walmart credit card

Walmart credit card

You can even compare the price online if you do not believe the fact. For example, you can search for a product such as “Tide Simply Clean Laundry Detergent” and find it to be $8 at Walmart. You can then search it on other websites selling the Tide product. It will not be less than $12. That is why to save money, in the long run, opt for the card from Walmart.

How to fill out the JCPenney credit card application online

JCPenney has been successful being the favorite shop for many people. Those loyal customers can get the credit card from the store which will let them have discounts on purchase. When you buy a lot of items and goods from that store, you will see that you saved money in the long run and got all the things you need. The first step to getting a credit card for yourself is to determine which is the right one for you. Many retail stores give out credit cards which let you get items a little price or gets you discounts and sometimes rebate. It is best to search for the best one and find out your requirements.

Related articles about JCPenney credit card application

What to do if I lose my JCPenney credit card?

Should you get a Walmart credit card?

Getting a Sears credit card for big purchases

The first step is to look for a credit card of the store that does not take any annual fee. Also, pick a store that has everything you need plus many brands such as Nike, Michael Kors, Gold Toe, IZOD, Levi, and Sephora. You should like the interior of the store, and you should be able to shop there on a regular basis. You can get all the requirements here at JCPenney because it has all the brands and items you need. Therefore, if you become their frequent shopper or regular customer, you should get the credit card.

Making the JCPenney credit card payments or checking the JCPenney credit card balance is not a challenging task. The internet has made it all easy. If a problem persists, you can always contact the JCPenney credit card customer service for JCPenney credit card support. You should know that you have to start by making an account. The first step is to fill out an application. If you are not sure how to do it, then follow the instructions below.

The steps to take in the JCPenney credit card center

The steps to take in the JCPenney credit card center

•    Do not put any wrong information because that will not let you qualify for the credit card. Only put in real and actual data such as the correct spelling of what you write, such as you mother’s maiden name

•    Do not put any false data or info such as your income. You should put in the real information, and they will be the judge whether they should let you qualify or not

•    You should be living in the United States or Puerto Rico. If you reside somewhere else outside the United States, do not try to continue with the JCPenney credit card account login using wrong details such as selecting a state name.

If you are not sure whether you should get it or not, you should know that you can get a lot of variety here. The choices are excellent. You can get a lot of brands under one roof. There are many products so you can pick one that matches your needs. The prices are better if you are not a customer without the card. You can get offers and discounts by claiming the points you make on purchase.

Getting a Sears credit card for big purchases

How to getting a Sears credit card for big purchases? We all need a lot of things to survive. In fact, we do not need just clothes or food. We require furniture, auto parts, electronics around the house, garage tools, exercising equipment etc. If you can get them at a discount price or with zero interest, that will be like a dream come true. The best part is that you have a lot of variety at Sears and they take zero annual fee on the credit card.

Related articles about Sears credit card

What to do if I lose my JCPenney credit card?

Should you get a Walmart credit card?

How is JCPenney credit card payments made easy?

If you do not have the Sears credit card, you will not be able to claim the offers and discounts and you will be treated as a regular customer. For buying a $40 jacket it is not important to get a credit card from a retail store selling clothes. When it is about a $500 mattress, $600 refrigerator or $2000 wall oven, installments become your best friend. Since Sears sell this kind of products that are difficult to pay at one go, you should get their credit card.

In that way, you can also buy other items at a low price such as the things you regularly shop for yourself and others such as necklace and other jewelry, shoes, dresses for men and women, baby items, day-to-day tools etc. There are a lot of advantages of getting the card.

Sears credit card

Sears credit card

 

There are no traps when it is about Sears. They will not be using sales messages, product placement and colors to make you buy extra items. You can buy only what you want and need. If you are shopping online, that is more convenient. You can browse through a variety of materials. There is no limited array for products. They can hold a lot of items and it will be clearly stated if they are available or not. You can also buy products in strange combinations and nobody will give you that strange look. You can buy an assorted flavor candies and gold over sterling silver necklace. At Sears, you have a lot of products so you can browse through them and buy anything you need.

There are lot of gift items which you can purchase at a low cost. You can take advantage of the Shop Your Way program where you can pay them any way you want. You can earn points and claim them for rewards. Sears gives away a lot of products that costs over thousands of dollars for free. You can also have full account and credit card protection. You can buy electronics that cost over $597 and pay them without any interest at 12 months. It is also alright if you are unable to make the payment within a year, but then you have to include the interest. You can get big number of discounts on Sporting and game goods, mattresses, home appliance, consumer electronics and fitness equipment.

How is JCPenney credit card payments made easy?

How is JCPenney credit card payments made easy? When thinking about convenience and ease, using the internet comes to people’s minds first. The reason is because you can browse everything by lying on your sofa in your pajamas. The internet lets you compare prices and options. The choices you get online are tremendous. You can compare as many products and brands you want. You only buy an item when you want it nobody is forcing you. In stores, sometimes the salesperson makes you buy something you do not want. In some cases, you may like something and it goes out of your budget. Therefore, you end up paying more money. The expense is high and you do not get a better deal when you are not shopping online.

Related articles about JCPenney credit card payments

What to do if I lose my JCPenney credit card?

Should you get a Walmart credit card?

How to fill out the JCPenney credit card application online

The JCPenney credit card services are available online so you can learn about them easily. Making the JCPenney credit card account is simple and quick. There are clear guidelines on how you can claim the JCPenney credit card rewards, get a new card if you lose the old or deal with any other issues. After you fill out the JCPenney credit card application, you will have to wait for seven days for the card to arrive. Let us see, why it is not a challenge. All you have to do is go to their website. They made it flexible by opening up online options. JCPenney has a huge line of followers and customers so it is obvious the store is going to be crowded. They made it flexible by making it possible to sign up for a JCPenney credit card account online.

Then again, the process is easy. They are dealing with finance so they should get plenty of information about you. To make it hassle-free, they do no put you into an uncomfortable situation. The JCPenney credit card application only asks for the rudimentary and compulsory information that is very significant for your privacy and JCPenney credit card login. You will have to put in your First Name, Last Name, initials etc.

JCPenney credit card services

JCPenney credit card services

If there is a problem, you can always contact them. There are three methods to do this: mail, phone or message them online. You can get all the details clearly on their website. Let us explore how they make it effortless when it is about your money. There is no annual fee. When the annual fee is $0, the situation gets already untroubled. The problem in this painless circumstance can be that there is an APR you have to pay. If you think that you are not eligible to pay that amount, you should not sign up for a JCPenney credit card account.

Walmart Credit Card Sign Up and Log in Help

If you do not know the link, type in the search engine “Walmart Credit Card Log in Page” and the page will come up. There are many reasons why you will want to log in to your account besides just running it. You can request a credit balance refund, close your credit card or make the payments. There are many advantages of managing your account online such as making payments without any hassle, viewing your electronic statement and setting up account alerts.

Related articles about Walmart Credit Card Sign Up and Log in Help

What to do if I lose my JCPenney credit card?

How to fill out the JCPenney credit card application online

Getting a Sears credit card for big purchases

Benefits of the card

You can have a lot of benefits while you use this card. You can get lots of discounts such as 2% on Walmart gas and Murphy USA. You can shop from the comfort of your home just by visiting Walmart.com and still get huge discounts. All this will save your money in the long run. While you shop online, you do not have to deal with the crowd at Walmart. Even though they are in numerous locations, the stores are still crowded with customers. If you shop from home, you can save money on gas and it will also save you time and energy. Nobody is going to force you to buy anything, you can browse from the categories and pick anything you like. You can buy something only when you need it. It can happen that when you go to the store, you buy something that you do not need but it is visually appealing.

Walmart already has the lowest price compared to other stores, it will a nice experience if you can lower the price further by being the owner of a Walmart credit card. When you first enter into their website, you will come across various offers and features posts that lets you compare with other stores. You can also get refunds on many products and they also deliver the products quickly.

Walmart Credit Card Sign Up and Log in Help

Walmart Credit Card Sign Up and Log in Help

Log in page and Signing Up

When you enter the page, you will see on the left, there is a place where you place the User ID. That is where you writer it and click on Sign in. If you do not remember it, simply press on “Lookup User ID” and then put in the information they ask. You should not share your Social Security Number with anyone because that is the only way to validate that you are the original cardholder.

If you look below you will see there are three different sections asking you what you want. You should see whether you want a community, business or a Walmart MasterCard. Synchrony Bank operates all the cards and you have to fill up an application before you can have any of the cards.

The Sign Up is not troublesome. All you have to do is fill out the correct details of your information such as Home address, City, Zip, Total Annual Household Income, etc. and you should be one step closer to getting the card.

How to avoid late fees for a JCPenney credit card

Credit cards can be beneficial as well as hectic for some people. They come with big fees and high interest rates but lets you have cashback, offers and discounts from their store. If you like to shop at JCPenney, you can get their credit card. All you have to do is, sign up for JCPenney credit card online. After that wait for approval and your card to arrive. To increase your chance of approval, ensure that you only put correct information in the JCPenney credit card application. You have to pay the high interest, will not the situation become worse if you have to give out extra money as late fees. Here is how you can stay away from them.

Related articles about late fees for a JCPenney credit card

What to do if I lose my JCPenney credit card?

Should you get a Walmart credit card?

How is JCPenney credit card payments made easy?

1. Find out the rules

Learn about the late fees and when you have to pay it. That is the best way you can avoid it. Unless you know about it, there is nothing you can do. When you do not pay by the due date the store will charge you for the late fees. When you cannot make the payments on time, late charges will add up. The late fee can become huge so it is best to try to avoid it as much as possible. The only way to do is learn about the law on late fees. If you want to know more, you can contact them at the JCPenney credit card payment phone number.

How to avoid late fees for a JCPenney credit card

How to avoid late fees for a JCPenney credit card

2. Follow the regulations

The first step tells us to comprehend the laws. That is not enough to secure yourself from paying extra money to them. You will have to follow them. Federal law states that the credit card company to credit payment on the day they receive.  Nevertheless, credit card distributors are permissible to set precise payment strategies and if these rules are not met, the distributor can take up to five days to credit the payment.

Some customers have this complain that they sent it before the deadline then why the company put them as late fees. They think that the company is a scam. The truth is an on-time payment can effortlessly turn to late fee if you sent the expense adjacent to the deadline and you were unsuccessful at following one of the payment guidelines.

3. Use online services

You can use any service you find easy and convenient though but making the JCPenney credit card payment online is effortless and simple. While you are learning about the laws and following all the rules, ensure that you are using the method of payment that you find comfortable and painless. Online sounds easy since you can do that anytime from the comfort of your home. If you are using a payment method that is easy for you, you should be able to avoid late fees. You will be quick and that will prevent late fees hopefully.

What is the JCPenney credit card annual fee?

If you are wondering the amount of annual fee for a JCPenney credit card, then you will hear good news. That is the value is zero dollars. Do not get overexcited because obviously, there is a catch. There is an APR you have to pay.

Related articles about What is the JCPenney credit card annual fee

How is JCPenney credit card payments made easy?

What to do if I lose my JCPenney credit card?

How to fill out the JCPenney credit card application online

JCPenney stores are the perfect place to shop. People love it for their goods, merchandise, services and locations. They are also the best place to search for offers and deals. You can get a discount on various items such as furniture, beautiful jewelry, clothes, baby stuff, and shoes.  While they may be one of the nicest places to shop, the card might not be satisfying.

What is the APRs

People do not prefer debt on credit cards, and at the same time, the balance does not get fair treatment. The credit card details clearly state when you want to submit the JCPenney credit card application online that there is an APR. It is 26.99%, and we can say that it is not a reasonable or a flat rate.

That is not a good thing at all, and the lowest amount you have to pay is $2. As you can see that being the owner of the card will make you pay at least that amount. Therefore, in the long run, the customers pay more than the 26.99% which means they lose more money that they should.

What is the JCPenney credit card annual fee

What is the JCPenney credit card annual fee

Rewards

To obtain a JCPenney Loyalty Rewards program you do not require a JCPenney credit card. Here are the details of what you get

JCP Loyalty Rewards (without the credit card)

1 point for each dollar is earned on procurements

250 points is equivalent to a $10 reward certificate – that is the same as 4% refund on expenditure

JCP Loyalty Rewards (with the credit card)

1.25 points for each dollar is earned on procurements

250 points is equivalent to a $10 reward certificate – that is the same as a 5% refund on expenditure

As you can see that JCPenney lets their customers have an advantage whether or not you have the credit card. That is another reason to love their stores. If you have the JCPenney credit card, you can get the 5% refund on what you pay.

Also, do not worry about your rank: regular, gold or platinum. The number of points a customer can earn is the same no matter where you rank or what your status is. All the reward certificate is the same amount. Compared to other cards, it is easy to get which makes it more desirable. Some people may avoid the card for the high-interest rate while there are many other excellent reasons to get the credit card.

JCPenney credit card services

If you are someone who wants a credit card from a store they should pick the JCPenney Credit Card. It is predominantly beneficial if you recurrently shop at that store and want to earn rewards and save money. The company has a platform of outstanding cardholder facilities that allows the customers to get deals, discounts, and rewards every time they shop.  Here are some of the things you should know about JCPenney credit card services.

Related articles about JCPenney credit card services

Should you get a Walmart credit card?

What is the JCPenney credit card annual fee?

How is JCPenney credit card payments made easy?

Yearly Percentage Amount

The Yearly Percentage Amount is also denoted as the APR. Your credit card has a preliminary rate of 0% for the first three years after you open the JCPenney credit card account. It ‘s hard to find a store that gives this advantage to its customers for such long duration. Thirty-six months without any interest or extra cash can make you save a lot of money. After that, you have to follow their rules which state that the APR rate is 26.99%. The yearly fee for being the owner of the card is $0.

Delayed Interest

When a customer decides to buy furniture or mattress that results in more than one thousand and five hundred dollars, they can pay the price within the three years. There will be no extra fees for that payment even though they are paying in installments.

JCPenney credit card services

JCPenney credit card services

Scam Fortification

You do not have to worry if you lose the credit card or someone steals it. All you have to do is contact the Synchrony Bank. They are the ones who knows about your finances, so they will know what steps to take in that situation to help you. They will save you from scams and safeguard you and make a new card for you. You can also contact the JCPenney credit card customer service.

Rewards Earning

You can buy something using the credit card and get involved in their program for earning rewards. When you buy something, you obtain a point. You can get a single point for each dollar you spend. You can also get a discount of fifteen percent on many items. Many customers take advantage of this program, and they earn a lot of points. In the long run, you will notice that you have saved a lot of money.

Clothing

Certain apparel items such as dresses qualify for helping you save money. They are not for women’s clothes only; they also aid the children and men as well. You can shop for clothes for the whole family and be happy about the fact that you are earning points. There is no loss in here. You get your clothes along with the points which will also get you a rebate. The JCPenney credit card is like a prize for shopping at their store.