Category Archives: Jcpenney Credit Card

The steps to take in the JCPenney credit card center

When you first enter the JCPenney credit card center online, you will see a lot of offers and deals if you sign up. You will come across statements such as “15% Off on Furniture” or “20% off after you get the card” etc. You should know that you can only get those discounts, deals and offers if you are making a new account. It will not be for those who are not signing up for the card or old members of the credit card.

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You can also obtain those promotions and deals after the approval. Therefore, shopping before getting the approval will not get you the low price. You have to pay the price in the tag. Few limits and eliminations apply such as not being able to get refunds from Sephora or Nike products.

New account reduction offer will for to the user through the mail for proper applications succumbed by tablet or phone. To obtain the new account discount, offer directly upon endorsement, you have to apply from your PC to the JC Penney credit card application online.

Here is what you do. Start by clicking on the red box that says “Apply Now.” You will notice a form will appear which asks for your personal information. Start by filling in all the correct details, such as your First Name, Last Name, and Initial. Clearly, write down the address and select the state.

JCPenney credit card center

JCPenney credit card center

You have to enter your e-mail address that you always use. There is a box, and if you click on it, you are agreeing that you want to get e-mail updates from JCPenney knowing about updates, offers, and exclusive discounts. You have to put a lot of other information and not just your name, address, email and phone numbers. You have to place your income per year and also how long have you been living in your current address.

Lastly, select the kind of statement you want.  In the case of ‘Electronic Statements,’ the customers get their once-a-month email alerting them when they can view the billing report online. There is a link that says “View Statement.” Click that to find out about your one. In case you choose for Paper Statement delivery, you will not get any email notifications. The three kinds of statements are:

•    Deliver Statements

•    Electronic Statements

•    Paper Statement

Before you press accept and submit, do not forget to agree to their terms of use. For example, there is a late fee you have to pay if they do not receive your payment by the due date. They can also cancel your account anytime. They will also take an electronic signature after you sign up for an account. You can close the account by contacting the JCPenney credit card customer service. Once you do not that, you will not be able to avail the offers for the credit card holders.

What is the JCPenney credit card address

When you are the owner of a JCPenney credit card, and you want to close it, you have to send a request to their address. There are two methods in which you first open your account. One of them is as a single user, and the other one is joint. You can tell by now that joint means that the account is being shared by you and the other person. There are ways to remove the other person from your JCPenney credit card account, but the company recommends that you close it and open a new one.

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Instead of sending them a mail online, you can pick the method of sending them a letter to their address. In that way, the letter has more value, and they will deal with your work as soon as they get the mail. Sometimes, internet emails do not get sent to the other person, and there is no real way of knowing if they got your e-mail message or not. Besides doing it online is much more time-consuming even though we are living in a world of technology.

You have to start by notifying them about a payment that you made in the last few weeks or days. Then, make a request for another card even though you already have one. Since that is a shared one, you have to ask for a separate one without a statement. Check the details of what you bought. Make the payment. Request a replacement card and update your new information into the personal account. Obtain all the account activity and record the privacy preference of yours. Since doing this can be a hassle and a tedious job with no guarantee about when they will process your request for each step, it is better to send them a mail to their address.

If you are unable to find their address or having a hard time looking for them, check below.

What is the JCPenney credit card address

What is the JCPenney credit card address

For cardholders in the United States, you have to write the letter to

JCPenney Credit Services

customer service C/O SYNCB

PO Box 965009

Orlando, Florida 32896-5009

If you are living in United States Virgin Islands or Puerto Rico

JCPenney Credit Services

customer service C/O SYNCB

PO Box 364788

San Juan, Puerto Rico 00936-4788

There are many other reasons to keep this address with you. Request for a separate card or getting rid of the joint account is not the only reason why they would want you to mail them. When you want to send your payment, you either choose the online method or send the payment to the address above.

When do I need the JCPenney credit card phone number?

If you are willing to be the rightful owner of the JCPenney credit card, you must keep in mind that you must contact the JCPenney credit card customer service. You might think that you are signing up through your PC and filling up the form and clicking on Submit, so why do you need to call them up. For the initial stage, it is not compulsory to call them if you can see that they have activated your card. One of the main reasons to call them is if you notice that they did not activate your card.

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Some individuals make payments through mail or online. While many people choose the online method to be convenient and flexible, others think differently. If you are not liking that approach and want to switch to mail them through the post office, you have to call them first. Let them know that you want to stop making online payments. If you are interested to know about your status or you do not know about it, then you should also communicate with them.

The next cause to why you will require their phone number is when you send a payment. If you made a payment online or sent through the mail but not sure whether the bank received it or not, it is best to contact the staff and find out. When you send them an e-mail message, there might be chances of late or no replies. You can enable a notification system just by calling them up. In that way, every time they get your payments, you will get a notification on your phone.

When do I need the JCPenney credit card phone number

When do I need the JCPenney credit card phone number

Another reason to why you might have to call them is from the start. That means if this problem occurs even before you get your credit card and become a rightful owner of it. It happens even before you can get benefits from it by shopping at their stores. It can happen that you went for JCPenney credit card application to make your JCPenney credit card account and put in all the details. They ask for a lot of info such as your name, income, address, phone number, date of birth, etc. It can happen that they did not let you qualify.

If that happens, you have to call them and find out why they did that. It can be because you made a mistake during the sign up of the application. It can also be that your income is too low for validation or being a cardholder for the stores. Instead of wondering what the reason could be, it is better to call them up. It is their phone number 1-800-527-4403 and 1-800-542-0800.

JCPenney credit card account beneficial for college students

Whether you are a male or a female, if you are stylish or like to keep yourself update with the trend, you will want to buy new clothes. You can also be in a critical condition where you decide whether you want to buy books or clothing. Since you are a student and books are compulsory, you have to cut the clothes out of your list. There is a good news for you and that is you can get credit card from JCPenney by making an account on your PC or contacting the JCPenney credit card center.

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One good thing that will come out from this situation is that from next time you will not be puzzled about where you want to shop. College students face a lot of confusion on a daily basis. Should I wear pink or green? Should I use gel on my hair or not? Which perfume should I apply? While you are confused with other things, you do not have to worry about your shopping destination anymore. Many people and not only students get puzzled when it is about picking a store to buy clothes. There are numerous options out there but visiting a random store can be a loss for you. They do not know you neither do you know them. You do not have any connections with them as a result you will have to pay the full price for a clothing. If a jacket is $49, you have to pay it without any rebate, refunds or discounts. Having a credit card can get you all of that. You also do not have to stop at just one jacket. Buy all the clothes you will need and earn points as you buy.

JCPenney credit card account beneficial for college students

JCPenney credit card account beneficial for college students

While shopping at JCPenney, you target should be to reach 100 points. In that way, you will get a $10 back for your purchase. 99 points will not be helpful and the points will go away at the end of the month. Clothes are a necessity. It is not something you purchase only if you feel like getting. It is not fine jewelry that you buy on a special occasion. Clothing is just as important as food and books. JCPenney has trendy outfits for both men and women. You can get accessories to match with the outfit. If you are in need of jewelry to match, you can get that tool. You probably visit parties so you will need clothing that catches the eye. You can get them here. Here you will have a lot of choices from different brands and that will let you compare which one is tasteless and which one is fashionable.

If you do not go to parties, do not worry. You can buy the casual basics. You obviously need new clothes to wear to classes. You can denim, jackets, t-shirts, etc. at the price you want. For convenience, you can make the JCPenney credit card account online. Therefore, do not want to claim the offers and get discounts.

Benefits of having the Sears Credit Card

Do you shop at Sears regularly? Are you their regular shopper? Do you like their products? If the answer is yes to all the questions, you should get a Sears credit card. Many other retailers have this system of giving out credit cards to those who are interested in their store. The Sears credit card is backed by Citi lets the cardholders have a lot of advantages and benefits.

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You can buy products without any interests whereas if you were a typical customer without a card, you would have to pay. There are many products which we cannot buy instantly because they are expensive. It can be a laptop, table tennis table, scooter, hot tubs and other items. Therefore, if you are paying them monthly, you do not have to pay anything extra as interest. You have the whole year to pay them, so there is no stress or pressure. For example, a table tennis table can cost $700. Spending the big amount at once would be hard. If you can divide the number and pay over a twelve-month period, each month you give only $58.3. Another advantage is that they might even give you a discount if you have a card on your purchase which can make it $600. As a result, you are paying only $50 for the amazing and huge table tennis table you bought!

There is a membership service which is Shop Your Way where you can join. You can pay them any way you like and connect with your account. There is the point system for every item you purchase; you will earn points. You can later claim for rewards from the points. Another good news is that you can get products free of cost. If you are a “Shop Your Way” member, you can use the connected Sears card and get extra points which are 2% of the purchase.

Benefits of having the Sears Credit Card

Benefits of having the Sears Credit Card

It is surprising that many customers win free products which cost thousands of dollars. If you visit their store most of the time, you can get their card which comes in two forms. One is the standard, and the other is MasterCard. You can use the second one anywhere they accept MasterCard. The Sears MasterCard will get you discounts only for their products and network whereas regular Master Cards get you discounts at many places.

You should know that there is no annual fee, but you have to pay an interest rate which is 25.24%. It is higher than many other stores giving out credit cards to their customers. You should know that even though you can save money buying their product, it is dependent on you. You have to maintain the balance on the credit card and pay all the money you owe them. The card is beneficial for those who are regular shoppers at Sears.

An introduction to the Kohl’s credit card

If you are interested in buying clothes for the whole family, you should pick the Kohl’s Department Stores. It is popular for being the provider of clothes for all members of the family at a less price compared to many other stores. Throughout the years, it has attracted a lot of people, and they turned into regular customers, followers, and fans of this shop. There are many kinds of offers and discounts the store frequently delivers such as a 20% off on items at the store. You can use the Kohl credit card at their stores and their online website www.Kohls.com.

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The mechanism of the credit card

You should know that you can use this card to purchase only from their store. Only Kohl merchandise is going to be available to you at a low price. When it is about many other merchandising cards, they come with a shop credit limit which is naturally less than the credit limit distributed on standard credit cards. The quantity of credit delivered relies on the credit standup of the credit card owner and ranges from three hundred to three thousand dollars. The bill is less than one thousand dollars for most people. As the card is a charge one, you have to pay the balance every month, and if you can maintain the balance, you will have to pay the APR. The good news is that the APR is less than other stores, but it is still high which is 24.24%. Another good news is that there is no annual fee.

Cardholder Benefits and Perks

There is not going to be any special rewards program or platform for the credit card holder at Kohls. Instead, you will get rewards through their programs known as Yes2You and Kohl’s Cash Rewards programs. You can earn credit through your purchase. If you spend fifty dollars on something, you can get cash back of $5 which is known as Kohl’s cash.

Kohl’s credit card

Kohl’s credit card

Yes2You program for getting rewards will allow you to obtain points for buying things that you can convert to store credit. Kohl’s puts up great promotions and discounts where the outcome is incredible savings. For instance, a client may associate a 30% reduction offer with Kohl’s cash on any acquisition. The store also offers discounts such as $30 or $10 off a purchase. You can combine them with other rewards program to add up to your savings.

Cardholders of the store can partake in all of the rewards and discounts programs just like the shoppers. The benefit of being a cardholder is that he or she will receive more than 12 additional offers for Kohl store discounts of around 10% to 30% each year. In totaling, Kohl’s lets new cardholders 25% off when they first sign up.  If you shop regularly, you should have a bill which is more than $600, and that will let you have six extra discount offers.

No Annual Fee Credit Cards: Walmart credit card, JC Penney, Sears and more

As a shopper, you should keep a credit card from retailers where you shop frequently. While you do this, ensure that the credit card has zero annual fees or else you will not be able to save money. The main reason why you are getting the card is to save money. If you end up paying the yearly fee for being a cardholder, that is a loss for you. There are many well-known and repudiated stores giving the opportunity to their clients to get lots of offers, deals, and discounts if they shop at their stores frequently. In that way, the customers can save money, and all they to do is pay the balance. For example, if you like JCPenney items, you will want to purchase their merchandise. While there is no JCPenney credit card annual fee, you will have to pay the balance. For flexibility and convenience, you can pay the JCPenney credit card payment online. Let us explore which store offers a credit card with no yearly fees and find out which you like best.

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Should you get a Walmart credit card?

Walmart credit card

Walmart is everyone’s favorite. It is famous for selling items at a cheaper rate than other brand stores. When you compare it with others such as Kroger, you will find that Walmart will be the winner. The prices are unbelievable, and people crowds there for their daily needs. Already they ask for low prices, will you not be happy to agree on a deal where you can pay much less than the original amount. The credit card will allow that. Also, you can save money on gas if you use their MasterCard at their gas station. The interest rate of Walmart credit card is 22.9%. Before you jump into getting that credit card, think again if you afford to pay the interest rate.

Walmart credit card

Walmart credit card

JC Penney credit card

If you shop there regularly, you can get the card because it has special offers such as 20% discount on appliances. The interest rate is higher than Walmart’s which is 26.99%. If there is any problem, you can always contact the JCPenney credit card customer service. Every time you spend a dollar in their store, you can get the point. If you think you can manage to get 100 points, then this is for you. The reason is that it renews every month.

Sears credit card

If you are thinking of buying expensive items where you have to pay the money in installments, Sears should be helpful. If you are a credit card holder of their store, they will not take any interest. They sell a lot of things which can be pricey, and the customers can find it difficult to pay at once. They have a lot of products such as laptops, air hockey table, Tradition Diamond, microwave, etc. They also offer discounts on many items such as kitchen appliances. The interest rate is 25.24%.

Kohls credit card

If you are going to buy lots of clothes, then this card should help you. While there is no annual fee, the APR is 24.24%. You can get discounts and participate in the Yes2You program. You can also get Kohl’s cash which means you can get money back for purchase.

What to consider before getting the JCPenney credit card

Before you jump into making a JCPenney credit card account or contacting the JCPenney credit card customer service for activating your card, you should consider several things. Ask yourself whether you are a regular shopper of that store or you go there occasionally or for window shopping. If that is your ultimate shopping destination from where you buy all the necessities for you and other members of the family, it is going to be a wise decision to get the card as it will help you save money.

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The department stores are in more than 1000 locations in the United States and Puerto Rico, and they have a lot of brands such as Sephora, Nike, Disney, Michael Kors, etc. Ever since it started, it has been gaining popularity and success. If you think that you are going to shop a lot of things from here which will make your bill high, you should get the card.

The card will get you rewards. For every dollar, you spend you will get a reward point. The reason why you would want to sign up is that the process is easy. You can do it online through your PC with just a few steps.  There are a lot of special and excellent offers for those who are making a new JCPenney credit card account such as 15% discount on all items and 5% off on the main appliances. They continuously give out offers and discounts, but these exclusive offers apply to those making new accounts. Once you get your credit card, you will be able to get more offers and deals.

getting the JCPenney credit card

getting the JCPenney credit card

If someone manages to get 100 points in a month, they will get $10.  You can claim the reward from their online website or stores. The points will expire in the last week of every month, so if you are not able to gather 100 points, it gets renewed in the next month. If you collected 90 points in May and during June, your score will be zero again. Rather, if you shop in such a way that makes you get 100 points, you will be able to get the $10 from the store. There are many exciting cardholder’s programs and events where you can get huge discounts. If you are a regular or typical customer, you will not be able to get that advantage.

Now that everything sounds right, here comes the part where you might get confused whether you really want the card or not. The store has a high APR compared to many other stores, and if you fail to pay the balance, you will have to pay the late fees. Many research and theories are stating that you do not save money in the long run rather that company is using tactics to increase their profits. Therefore, you should decide based on the positives and negatives whether you want an account.

Common problems you may face with a JCPenney credit card account

There are more than one thousand JCPenney stores serving customers every day. From 2013, a new Chief Executive Officer took charge of the company and started focusing on big changes for the store to survive. One of the primary fluctuations that happened in the store was the pricing. It now gives out discount sale prices and offers on almost every product, and then gives more discounts on them. Furthermore, the store has a completely new look. There is no guarantee about the company’s future, but one thing we can tell for sure is that they are trying hard to impress people.

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You can get the JCPenney card, but you should know about some of the problems you can face so that you can solve them with ease. If you currently are the owner of their store’s credit card, you can look for solutions below.

1.    Dropping credit limit without any notice

Many cardholders say that this happened to them. It can happen when you make late payments. The JCPenney authority continuously checks the system, and if they find out anyone has negative hits on their credit cards, they can do this without any notification. You cannot complain about this to the authority because when you initially signed up for JCPenney credit card account online, they stated it. If you have negative hits, they can close your account or lessen the credit limits, and they, can do this through checking. They clearly say that they carry out thorough checking to limit scams and frauds. To avoid the problem, make the JCPenney credit card payment as soon as you can.

JCPenney credit card

JCPenney credit card

2.    Closing your card without informing

It is evident that you are not going to go shopping every day or once a week. First of all, that will be a waste of time and money both. You will only go to the store when you have to buy something. The JCPenney store thinks differently. When they see that someone is not using their card in a while, they will close it without any notice. If you are the owner of this card or thinking of getting it, ensure you utilize the card once a month.

3.    Sending the money

If you face any problem sending the JCPenney credit card payment, there are two ways you can try. If you are comfortable with sending them mail you can do that in their JCPenney credit card payment address. Another way is the JCPenney credit card pay bill online. In that way, you can make online payments. That is designed for convenience and flexibility. Using the account is simple and easy. The only tricky part can be paying the high APR. If you have a problem with that, it is best to not sign up.

4.    Not activating the card

After you fill out the JCPenney credit card application online, you should wait for activation. If the card is not yet running, contact the JCPenney credit card customer service. You can call them here: 1 800-542-0800.

Some common issues with the Walmart Credit Card

While the Walmart credit card is beneficial to those who own it, there can some problems related to using it. If you already have the credit card for a long time now, you should know. If you are someone who does not know about the problems they can possibly face in the future being the credit card holder of Walmart, you should see ahead and know what is coming your way. In that way, you can solve beforehand and not worry about it if it is a trivial problem.

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Poor customer service

It is truly upsetting when a company such as Walmart treats their customers poorly. It is not easy to tell when it is suitable to make a complaint. There may be a lot of times where the explanation you want is not being obtainable, and you unquestionably want to get angry. It can be sometimes difficult because people confuses bad customer service. If the employee was unable to solve their problem, that is not worthy of complaining but if they were rude to you or did not even pick up the call, that is a problem. Complain to the authority if any of these situations occur

  • The person at the support did not listen to you
  • They interrupted or cut off your c all without solving
  • They blamed it on you without providing any help, support or assistance
  • They were not reachable
Walmart credit card

Walmart credit card

Unable to access the card

It can happen that you are shopping at Walmart. You picked out several items and when you are going to pay, they tell you that you are not receiving discounts as the card did not work. The problem is that the chip readers do not work and the shoppers have nothing to do about. They can wait while the cashier is inserting their credit card but there will be no results. The new chip ensures that the card is secured. To maintain full security, they are lowering the efficiency of the cards. What you can do is, understand that is the result for improved security and it lowers risk for identity theft. Protecting from theft is a new adjustment thus it will take time to make this system smooth. There are lot of struggling adapting to this new technology.

Attaching late fees

Customers complained that even though they were not late at paying the fees, the credit card said they are late. That is why they had to pay more than they should. First of all, the interest is way too much for some people and paying the late fees when you are not late is being scammed by them. You can contact the customer service for this kind of problem. If you think that this is an issue you never want to deal with, do not get the card. Most customers complain about the interest. They say that they have to pay an extra $1000 dollar each year for nothing. Instead, if you had the money with you, you could spend it on anything you like. $1000 can get you a lot of things from Walmart or any other store.