- 1 Jcpenney credit card easy to get
- 2 12 of the Easiest Credit Cards to Get (2018)
Jcpenney credit card easy to get
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Store Credit Cards and Department Store card for Good, Bad or No credit.
Apply for a JCPenney Store Credit Card.
Once you are approved for a JCPenney Department Store Credit Card you will receive many member rewards. You will receive $10 rewards for every 100 points earned in a month. You will receive special birthday gift when you are a cardmember.
There is always events for special sales just for JCPenney cardholders. As a valued JCPenney Credit Cardmember, you also become a member of the JCPenney rewards program. This program has three levels. The higher you go, the more benefits you receive.
You can create your online profile to help take advantage of all your member benefits. You will also receive reminders on when you can use your rewards.
If you have any questions regarding your JCPenney credit card just contact customer service. Or you can see some frequently asked questions regarding JC Penney Credit Card.
JCPenney Tips and Secrets for Shopping
Many JCPenney coupons can be found online, in your local newspaper and JCPenney home targeted mailers. Before shopping at JCPenney or any store always check their website online, do a search on google or yahoo for JCPenney coupons and codes.
Many JCPenney coupon and discounts have been found to be on coupon offer website. Also, very popular discount offers can be found on groupon, retailmenot.com, coupons.com, savings.com, coupon cabin and also check JC Penney on facebook. Facebook also has coupons, codes and printable options. You can like their page and will be automatically updated of any special sale and/or friends and discounts and promotions.
If you want to buy someone a gift but are having trouble figuring out what to get, a gift card can be a great solution. There’s no need to guess what they want: with a JCPenney gift card, they can choose whatever their heart desires from our enormous selection of products. Shop gift cards by occasion to find special designs for birthdays, weddings, new baby, congratulations, anniversaries or graduations. JCPenney makes gift card giving easy: you can give a traditional physical gift card, or choose from corporate gift cards. You can also check your gift card balance at any time online.
You can also apply for a credit card other than JC Penney. Find a retail store credit card or major credit card where you can earn rewards or receive low interest rates.
Here is what inside of JCPenney Department stores looks like:
12 of the Easiest Credit Cards to Get (2018)
Every day I surf the web, I am overcome with gratitude that video phones and YouTube weren’t around to chronicle the mistakes of my youth. Today, public gaffes and uploaded mistakes can live on the internet for years (if not forever).
In the financial world, your missteps and missed payments are chronicled not on social media, but in the data files of the three major consumer credit agencies, Equifax, Experian, and TransUnion. Collectively forming your consumer credit reports, the data collected by these agencies influences your credit score and determines your ability to obtain credit cards, loans, and other credit products.
When the mistakes of your youth, or simply the trials of your present, have caused your credit score to sink, it can be difficult — and feel impossible — to find the credit you need. Unfortunately, there’s no one-card-fits-all when it comes to credit cards. Instead, the easiest card to obtain will often be the one best suited to your individual needs, financial situation, and spending behaviors.
Easiest “Unsecured” Credit Cards to Get
Although unsecured credit cards are typically the most difficult type of card to qualify for, you can take a lot of risk out of the equation by choosing the right issuer and card. Specifically, credit card issuers specializing in subprime credit applicants will offers cards with the lowest credit score requirements, making them easier to obtain than other unsecured cards.
If you’re using your card to rebuild bad credit, the key thing you’ll need your new card (or, rather, your new card issuer) to do is to report to the major credit bureaus. This will allow you to improve your credit score as you make on-time payments and practice responsible credit card use. Our top three picks report to all three credit agencies every month.
[DISCLOSURE: Cards from our partners are mentioned below.]
If you’re a die-hard department store shopper, then you know that JCPenney is one of the oldest department stores in the United States, where you can find just about everything under one roof. You can buy everything from clothing, to home goods to kitchen appliances – some stores even have hair salons.
What keeps JCPenney customers continuing to come back is the ability to save money on every purchase. There is almost always a coupon available to use, and they have a reward system available to everyone-whether you’re a frequent JCPenney shopper or not. But if you find yourself constantly making purchases at JCPenney, getting a JCPenney store credit card gives you access to additional benefits and savings – and that can be worthwhile to a frequent JCPenney shopper.
Benefits of the JCPenney Credit Card
After you are approved for a JCPenney store credit card (either in-store or online) you will receive a 20%-off coupon (until March 7th, 2018) toward apparel or 5% off appliances which can save you a lot of money. (some exclusions apply to this offer – be sure to check the terms and conditions when you sign up).
Every time you use your JCPenney credit card, you receive one point for every $1 you spend. When you reach 200 points, you receive a $10 coupon to use on your next purchase. There is a limit of 2,000 points that you can earn on a single purchase, regardless of how much you spend. Keep in mind, also, that because this card is a closed-loop credit card, you will only be able to use it at JCPenney stores and at Sephora stores located inside JCPenney.
Depending on how much money you spend, you can reach different status levels. If you spend less than $499 in a year, then you are at Basic status. As a Basic member, you will receive a gift on your birthday and bonus coupons throughout the year. Cardmembers can also receive special financing on certain purchases.
If you spend between $500 and $999 during a calendar year, you will receive Gold status. As a Gold cardholder, you will receive all the benefits of a Basic member, plus you receive a few other perks each year, including six special coupons and an additional passbook of coupons. You will also be able to take part in a JCPenney “pick your own day” sale. With this sale you can pick four days throughout the year to save 15% off a purchase of your choice.
To reach Platinum level which is the highest level with your JCPenney credit card, you need to spend over $1,000 during the year. When you hit Platinum status, you receive all the benefits that you had as a Gold cardholder plus a few others, including Platinum exclusive discounts throughout the year. Plus, you receive free shipping on any purchases you make on JCPenney.com.
One of the benefits to store credit cards is that gaining approval tends to be easier than with bank issued, general-purpose credit cards, so this can be a great way to get your credit in better shape. Even though you might not have a good credit score, it’s possible you can still be approved for a store card with a lower credit limit, but remember, in most cases, store credit cards carry higher APRs. Some store cards will even raise your limit if you make monthly payments on time, but this also depends on the issuer’s terms and conditions.
What are the rates and fees for this card?
With the JCPenney credit card, the variable APR on purchases is a high 26.99%. That means it will be crucial that you pay off your balance each month or the finance charges could get very expensive. There is no annual fee for this card.
When it comes time to pay your bill you’re not only going to want to make sure you are on time because of the high APR. There is also a penalty fee of up to $38 on late payments. Making late payments also negatively impacts your score. You can make a payment online, over the phone, or in a JCPenney store. Just make sure you have the money in your bank account to cover it because you will not be able to use another credit card to pay your JCPenney card.
Alternatives to the JCPenney Credit Card
If you are a frequent JCPenney’s shopper and spend a decent amount of money at JCPenney, then their store credit card might be a great option. However, if you prefer the freedom to shop at multiple department stores without having too many credit cards, or would rather earn cash back rewards for your purchases, then you might be interested in one of these alternatives.
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Compare this card with Similar Offers: They might be just as good or better!
JCPenney Credit Card
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