If you love shopping at JCPenney, you'll be happy to know that you can get a JCPenney credit card and be rewarded for your shopping. You can use the card for things like furniture and home décor. When you use the card at JCPenney you can get major rewards.
The credit card can give you a whole lot of benefits, from discounts to promos. Using your card as you shop is the best way to ensure that you get the best deals from your chosen department store.
We've delved a little deeper into the world of the JCPenney credit card and discovered some details you'll want to know. Up next you're going to learn about the features of the card as well a as fees and charges and how you can apply.
Features and Benefits
One of the most advantageous cards from this store is the JCPenney Platinum Credit Card. Buying at any store location using this card lets you earn two times faster as you can get 1 point for every $1 spent at the store. Moreover, you are given 1 point for every $2 spent elsewhere.
When you earn 200 points, you will be given a $10 reward. The highest number of points you can earn on a single purchase in 2,000. Along the way, you will encounter bonus events, which gives you opportunities to earn extra points.
Aside from rewards, you can also enjoy a special birthday offer. This card also gives you over 150 credit saving days. Other perks you can enjoy include special financing, passbook of coupons and platinum appreciation which gives you exclusive dale days complete with a 30% discount.
For Platinum cards, make sure that you spend $1,000 or more per calendar year to maintain or earn your status.
Application Process & Requirements
If you are interested to apply for this card, you just need to fill out the application form present on the JCPenney credit card site. Keep in mind that you will need to provide the last 4 digits of your social security number and your mobile phone number.
You will also be asked to provide credit, financial and employment information including your current salary, expenses and status. The best way to go is to have pertinent papers on hand such as your latest bank statement, recent payslips and other similar documents.
You should also have copies of your proofs of employment, identity and address for good measure. This can be your government-issued IDs, utility bills and certificate of employment.
JCPenney Credit Card Rates & Charges
- Interest Rate – 25.99% with a minimum interest charge of $2
- Late Payment – up to $38
Bank Contact Info
You can make general enquiries by calling the company at 1-800-542-0800. You can also send mail to the company to their address at JCPenney Credit Services, customer service C/O SYNCB, P.O. Box 965009, Orlando, FL 32896-5009.
Conclusion
Having a JCPenney Credit Card can make your department store shopping more worthwhile. But remember that having this credit card doesn't mean you should spend beyond your limits. Keep track of your spending and use the card as a financial tool.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.
