Your JCPenney Credit
What are the advantages of the JCPenney Credit Card?
JCPenney cardmembers enjoy:
How do I apply for a JCPeney Credit Card?
It's easy to apply
for a JCPenney Credit Card Online and it only takes a couple
of minutes to complete the process. If you prefer, you may visit
Store and apply for instant credit at any register or
pick up an application, complete and mail it in.
How long until I receive my card?
Once you've been approved for a JCPenney Credit Card Online, it will take
7-10 business days to receive your card in the mail. If you don't
receive your card within 10 business days, please contact JCPenney
Credit Services at 1-800-527-4403 (monday - saturday
from 9:00 am - 1:00 am eastern time and sunday from 11:00 am - 10:00
pm eastern time).
I did not get an immediate response on my application. What
If you did not receive an immediate response to your online credit
application, you will receive correspondence from us via mail in
7-10 business days.
What should I do if I have questions regarding credit insurance?
If you have questions concerning credit insurance program, please call Stonebridge Life Insurance Company at 1-800-443-1031 during the hours of 8:00 am –8:00 pm Central Time, Monday through Friday.
Using your JCPenney Credit Card
Do I need to call to activate my card before I use it?
You may need to call to activate your card. Check the label on your card for activation instructions.
Can I use my account at a JCPenney Store before I receive my
card in the mail?
Yes, just bring valid photo identification to the customer service
area in any JCPenney Store and they will issue you a temporary card
to allow you to purchase that day in the store. your account will
be honored 24 hours after you are approved.
Where can my JCPenney Credit Card be used?
Your JCPenney Credit Card can be used at all JCPenney Stores, jcp.com and Sephora.com.
How do I find the nearest JCPenney Store?
Visit the online
JCPenney Store locator.
The JCPenney Online Credit Center and online
What is the JCPenney Online Credit Center?
The JCPenney Online Credit Center is a convenient resource for JCPenney cardmembers
- Learn more about exclusive savings opportunities.
- Find answers to questions about your JCPenney Credit Card Account.
- Log-in to access account information and e-Services.
Why do I need to enter personal information to log-in?
you need to provide some personal information to log-in to ensure
that your account is protected from unauthorized access.
What account information is available online?
Once you have your JCPenney Credit Card, you can log-in to view:
Account Summary - Gives you an overview of your account
including: current balance, credit line, available credit, amount
currently due, last bill date and a amount, last sale date and
amount and last payment date and amount.
Statements-Gives you access to view your bill online. Provides
summary of your recent transactions and past 3 billing periods.
Payments- you can pay your bill online, access your payment
history or set up and edit your bank information.
Account Service- Allows you to set up email alerts to notify you
when your payment is due or when your paymenthas been
received. You can also request a creditline increase, report your
card as lost/stolen or request a replacement card.
Manage Profile- You can update your address/ Phone/ email; or
your security information, or change your privace option.
Contact Us- You contact us by sending us emails through the
secure online message center.
What are e-Services?
e-Services are online email message forms that let you make secure
inquiries about your JCPenney account. Currently you can send an
online request to advise us of a payment status, request an additional
card, request a statement, request to close your account, and request a credit limit decrease.
Can I pay my JCPenney bill online?
Yes. You can receive and pay your JCPenney bill online.If you
already have your JCPenney Credit Card, you can learn
more and enroll online.
Browsers, security and online customer
To log-in to the JCPenney Credit Card Account service you need a browser
which is SSL-compliant and has a "secure mode". When your browser
is in secure mode, you will notice an unbroken key or lock at the
bottom of the page.
We recommend using Netscape Navigator / Communicator 4.5 or higher,
Microsoft Internet Explorer 4.0 or higher, or AOL version 4.0 or
higher. If you are accessing our site with a browser other than
those recommended above, you may not be able to log-in or view your
Is the information that I enter secure?
JCPenney Credit Services uses SSL encryption, an industry standard
to protect your account information from unauthorized access. When
your browser is in secure mode, you will notice an unbroken key
or lock at the bottom of the page.
Are there any times when online customer service is unavailable?
Our webserver may be down for maintenance purposes daily between
Midnight and 6:00 am Eastern Time.