The JCPenney card is issued by GE Money Bank (GEMB). The online center of the JCPenney credit card is also regulated by GEMB. These cards provide an inaugural offer of up to 10% savings on the first purchase made using the JCPenney card. These cards are the best mode of making purchase payments at JCPenney stores.
JCPenney Card: Features
The significant features of the JCPenney credit card include:
APR of 22.85%
Grace period of 25 days
Expert customer assistance on the phone
Card acceptance at all JCPenney stores, JCPenney Catalog, CVS/Pharmacy, Rite Aid Pharmacy and jcp.com,/
Automatic card activation on the first purchase
- Detailed three-month history of previous card transactions
- Online bill payments via CheckFree, a pioneer in electronic payments
- Instant information on the status of recent card transactions
JCPenney Card: Benefits
The holders of the JCPenney credit card enjoy:
- Around-the-year saving offers
- Online access to account information at the internet credit center
- Protection from fraudulent transactions with zero liability
- Exclusive events for card members
- No annual fee
- Low monthly payments
JCPenney Cards: Types
JCPenney also offers the JCPenney Privilege Gold and JCPenney Privilege Platinum cards. These cards have additional benefits, such as:
JCPenney Privilege Gold
- Special savings certificate
- Birthday reward certificate
- Facility to choose one’s billing date
JCPenney Privilege Platinum
- ID theft protection
- Catalog/Internet free shipping event
JC Penney Cards: Restrictions
The restrictions associated with the JCPenney cards include:
- Applicants residing in Alaska and Puerto Rico are not eligible for Catalog/Internet free shipping
- Card transactions by people who have been authorized as additional cardholders are not covered under the ‘Zero Fraud Liability’ scheme
- The APR varies from one applicant to another
How to apply for the JCPenney Credit Card
Individuals residing in the US, Puerto Rico or Virgin Islands can apply online at the official site of JCPenney Store. Applicants can also visit their local JCPenney store to complete the application formalities in person. On approval, the card is dispatched within seven to ten business days. Once an applicant is approved for a JCPenney card, s/he can automatically benefit from the myriad discount schemes offered by the card.
‘JCPenney Card’ is a trademark of J.C. Penney Company, Inc, who can be found at www.jcpenney.com.