JCPenney Credit Card – How to Login and Make Payment
UPDATED: April 14, 2020 – Today we look at the pros and cons of the JCPenney credit card offers and help you choose whether or not they may the best CC’s for your spending habits.
Manage Your Account Online – jcpcreditcard.com
You can apply for your CC Here: jcp.com/credit
The link above also allows you to access your account once you have created it.
To register for your online management profile you will need to enter your CC number, then you can create a user ID and password for yourself.
You will be able to view your account balance and make payments. You will see a section where you can navigate your recent purchases or payment activities and there will also be a link available for you to request an increase to your spending limit if you desire to do so.
You can even go to your web account through JCPennyMastercard.com or JCPenneycreditcard.com to download your account activity for record keeping purposes.
If for some reason you need to request a replacement or dispute a charge, you will be able to do so through the online management portal. If you move to a new address you can update your information through your online profile as well.
Pros
These retail CC’s provide a point for each dollar that is spent. What do the points get you? For every 100 points, you earn an extra ten dollars.
This is a great deal, especially if you’re a person who likes to shop because those rewards will quickly add up. There is also a 0% APR on your balance for the first 36 months.
To add to the rewards, the company sends out exclusive discount codes throughout the year and as an introductory offer, they will give you 20% of your entire 1st purchase with your JCPenney credit card.
An added bonus: It’s not too difficult to be accepted. Even people with low FICO scores still have good luck with acceptance. As an introductory offer, the company even gives you 20% of your entire 1st purchase.
Cons
Many of the poor reviews associated with this company’s cards complain about the very high-interest rate of 26.99% APR.
If you are forced to carry a balance for even a short amount of time, the account quickly loses its ability to save with the member discounts because your discounts are being weighed down by the extra cost of interest.
Another common complaint is that if you don’t spend a minimum of one hundred dollars then you won’t qualify for your CC rewards that month.
All of the offers available from this retail company are only valid when used for purchasing goods at their store, in person or online, and do not have the ability to do balance transfers, which is why many people with good or excellent FICO scores are better off with just a cash back card.
Final Thoughts
This offering has some decent saving opportunities but it is not one of the best rewards CC options out there. It’s extremely limiting, though, to only be able to use the card in store and it can be difficult to actually use the limited discounts that are given.
For consumers with a decent FICO score, it makes more sense to get a cash back CC with 0% APR and with a substantial signup bonus that can be used at any store to purchase anything you desire. We suggest you check out our reviews of other CC options before committing.
JC Penny Salon & Optical Services Offered
Among all of the products you can shop at this mega-retail store with your store CC, you can also make the most of your time by scheduling JC Penny Salon or JCPenney Optical appointments.
JCPenney Salon
With a full-service menu that caters to everyone, they can do anything from highlights to sets & twists, all for a reasonable price.
Have you ever left the salon with your dream hairstyle, then been completely unable to recreate it?
At the JCPenney Salon, all of the styling products used are also available for purchase with your JCP credit card, so you can leave looking like the best version of yourself and fully equipped to recreate your new hairdo.
Another convenient pitstop you can make while inside this department store is at JCPenney Optical.
There you can use your vision insurance and store CC for eye exams, new eyeglass frames, or restocking your contact lenses.
You can either shop their hundreds of brand name and designer frames for men, women, and children online or at a store near you.
The company values your time, so for both the salon and JCPenney Optical, you can view available time slots and schedule appointments so you can be efficient with your time.
Contact
1-800-542-0800
JCPenney
P.O. Box 965009
Orlando, FL 32896-5009
Login Issues
If you have forgotten your username or password, please visit Reset Your Password for additional help.
NOTE: We are not affiliated with this company, and you should NOT contact us with any sensitive information that is of a personal nature. We are merely a resource that provides information.
newly created access to account..can’t sign in
Hi Janet – You can reset your username or password by selecting the link available on the login page or by contacting customer service at 800-542-0800.
Would like to check on a online order this is the second time never received
I want to make a payment
Hi Bonny, There are a variety of options available to make a payment, including online, by phone, by mail, or you can even pay your bill at a store located near you.
I just want to pay my bill,
I am trying to update my address and have the bill sent to my new address
May I please see my statement?
Hi John, Thank you for reaching out regarding your statement. The customer support team may be best able to assist, they can be reached at (800) 542-0800.
I am unable to register to view my account online. I am not registered but the sight will not allow me to register
I would like to sign in to check my account and pay my bill , if any.
cant log on to pay bill…..that is not good.
I have never purchased online before..How do I sign up to order online?
how do I close my acct?
I need to change my mailing address so I can receive my billing statement. Thank you!
I have a catalog, that was sent to my address. There are many things I’d like to buy, so can I get an account from you so I can order many things?
Need help changing my mailing address. I want my bills sent to my new address.
Hardest website I have ever tried to log into. I upgraded to a JCP mastercard and closed other account but only account I can open is the closed one!!!!
I’m having trouble longing into my account and I can not reset my account
also I do not like the paperless bill. I do not like receiving my bill on line.