*Subject to credit approval. Some restrictions apply. Click here for details. The JCPenney Card On-line Credit Center is operated by the GE Money Bank, the issuer of the JCPenney Card. We encourage you to read GEMB's privacy policy and Web Site Usage Agreement, which govern the use of the JCPenney Card On-line Credit Center. Please note that this privacy policy and web site usage agreement may differ from those of any web site you may have previously visited.