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You'll find answers to your questions about:

  Electronic Bills and Payments:    
  Tech Requirements/Help  
  Payment Information  
  Contact Us    

General (back to top)

Who is CheckFree? (back to top)
Founded in 1981, CheckFree is the leading provider of financial electronic commerce services and products. CheckFree launched the first fully integrated electronic billing and payment solution in the country in 1997, and today, about 9 million consumers initiate online payments through services managed by CheckFree. More than 1,000 sites are live with Electronic Billing and payment services provided by CheckFree, and distribute bills over the internet at a run rate of over 74 million bills a year.

What is Online Payment Service? (back to top)
Online Payment Service offers anyone/anytime/anywhere access to receive and pay bills online. This service provides you with the ability to set up an online billing account with your favorite bank, credit union, brokerage, or Internet portal, and then make payments electronically for any bill, any company, any person - whether they receive a paper bill, an electronic bill, or simply need to pay an individual. Check with your service provider about applicable fees. Fees typically range from free to $15 per month.

Will I be charged extra for receiving or paying my JCPenney bill online? (back to top)
At this time, there is no charge for utilizing e-bill/e-pay if you register at CheckFree's free e-bill site. To access the no charge CheckFree enrollment site go to: https://www.mycheckfree.com. Some online billing sites affiliated with CheckFree charge a monthly fee, but allow you to pay all of your bills regardless of whether they were received in electronic or paper format. To check service offerings and fee information for these other Pay Anyone options, click on any of the following links.

Technical Requirements/Help (back to top)

Which browser do you recommend I have in order to properly view my electronic statement? (back to top)
We recommend Internet Explorer versions 5.0 to 6.0 and Netscape versions 4.0 to 6.2. For AOL users, either the 3.0 or 4.0 AOL client for PCs or the 4.0 AOL client for Macs is recommended.

What screen resolution do I need to view my bill online? (back to top)
To view your monthly JCPenney Credit Card online billing statement, we recommend that your monitor's screen resolution be 1024 x 768 or 800 x 600 pixels. Either monitor setting will permit you to view your e-bill without having to scroll your screen side to side. You can view your e-bill at lower resolutions, but you will need to scroll from side to side to view the complete bill.

How do I change my screen resolution to 1024 x 768 or 800 x 600 pixels? (back to top)
If you have a Microsoft Windows' operating system, click on Start in the lower left portion of your screen. Select Settings, then select Control Panel. In Control Panel select Display. Next, click on Settings. In the middle of the screen is an area called Desktop Area. Within Desktop Area select 1024 x 768 or 800 x 600. Then click on Apply in the lower right corner of the screen. You may need to restart your computer before the new resolution takes effect.

For Mac users, go into your Control Panel, go to Monitor Settings and reset your resolution to 1024 x 768 or 800 x 600.

Are there any scheduled times when I will be unable to view my JCPenney bill online? (back to top)
Our webserver is down for maintenance purposes every Sunday between 2 AM and 6 AM Eastern Time.

E-Bill (back to top)

When will I receive my first e-bill? (back to top)
Once you receive a message from CheckFree or your online Customer Service Provider indicating that your activation for your JCPenney Card e-bill has been processed successfully, you can expect your next statement to be presented electronically. You should receive this message by logging back into CheckFree or your Customer Service Provider and viewing your Message Inbox 48 hours after submitting your activation request.

Is my e-bill updated during the month? (back to top)
No, the e-bill is your monthly billing statement presented online, like the paper billing statement you currently receive in the mail. Any payments or purchases made during the month will not be reflected until the next monthly statement is sent. However, your recent account activity is available through our online credit center. To view your up to date account activity, click here and log in.

How many months of statement history can I view? (back to top)
We will retain online, your most recent twelve (12) months of e-bills as long as you continue to receive e-bills and do not deactivate from the service. If you want to retain e-bill history beyond 12 months, you will need to print out and save a hard copy of your oldest e-bills or save the data onto your hard drive by following your browser's save feature. Please note that your online bill history will build over time once you enroll to receive your JCPenney e-bill.

What happens if I delete my JCPenney e-bill? (back to top)
After you view your online bill, you can delete it. Once the e-bill is deleted, you will be unable to directly access your bill detail through that month's summary record. You will need to either print out a hard copy of your e-bill before deleting it or wait until you receive your next e-bill so that you can access historical bill detail by clicking the "Statement History" button from that e-bill.

Will I continue to receive my paper bill? (back to top)
Yes, you will continue to receive your JCPenney Card paper bill.

How do I print my online statements? (back to top)
You can print your online statement by using the print function of your browser.

Will I receive online offers and promotions with my e-bill? (back to top)
JCPenney may elect to advertise upcoming sales and other events in the Marketing panel of your e-bill.

What happens if I decide to deactivate my JCPenney e-bill? (back to top)
You will no longer receive new e-bills once you deactivate your JCPenney e-bill, but you will still be able to access prior online billing statements as long as you remain enrolled with your online billing Customer Service Provider and have access to bill summary information for JCPenney through your Customer Service Provider. Once you click the "View Bill Detail" link from that summary line, you will be able to click on the "Statement History" navigational button at the top of your e-bill to view prior months' activity. You may reactivate your JCPenney e-bill at any time.

Will I receive an e-bill if I have a credit balance on my account? (back to top)
Yes, you will receive an e-bill when your account has a credit balance. Because no payment is due in this case, the due date on your e-bill summary at your Customer Service Provider will reflect your previous billing date. However, the due date on your e-bill detail will be null and a credit balance will be reflected.

Payment Information (back to top)

Can I make a payment by mail if I receive my bills online? (back to top)
We encourage our customers to take advantage of the benefits of the new electronic payment option, but you also can mail in your payment. If you are still receiving a paper copy of your billing statement, please be sure to include your payment remittance stub found at the top of your paper billing statement that you received in the mail, so that we can properly credit your account.

Can I schedule automatic electronic payments? (back to top)
Yes, you can set up automatic electronic payments. Please be aware that your balance and amount due may change each month if you decide to set a fixed monthly payment.

How far in advance of the due date should I schedule my electronic payments? (back to top)
Please be aware that you need to initiate the scheduled payment request at least four business days prior to the date you wish the payment to be processed.

How do I change or stop a payment that I have scheduled? (back to top)
Most bill payment services allow the customer to change or stop a payment that has been scheduled. Please refer to the instructions of the bill payment service you are using for the specific steps required.

Will I be assigned a payment confirmation number for my records? (back to top)
Based on the version of the bill payment service that you are using, a confirmation number may or may not be provided. However, all payment history can be viewed by clicking the "Payment History" tab at the top of your billing service application.

Contact JCPenney Credit Card Customer Service (back to top)

By Phone:

For U.S. cardholders, call 1-800-527-4403, during the following hours of operation:
Monday Saturday 7:00 am 2:00 am Eastern Time
Sunday 11:00 am 10:00 pm Eastern Time

For cardholders in Puerto Rico and the U.S. Virgin Islands, please call 1-800-981-8400 during the following hours of operation:
Monday Friday 8:00 am 9:00 pm Atlantic Standard Time
Saturday 9:00 am 9:00 pm Atlantic Standard Time
Sunday 11:00 am 5:00 pm Atlantic Standard Time

By Mail:

Send written inquiries to: For cardholders in Puerto Rico and the U.S. Virgin Islands:
JCPenney Credit Services
Customer Service C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131
JCPenney Credit Services
Customer Service C/O SYNCB
P.O. Box 364788
San Juan, PR 00936-4788


Click here to log-in to the Online Credit Center for the following:

  • Notify us of a payment you recently sent or will soon send.
  • Request an additional card.
  • Request a statement.
  • View purchase details.
  • Request to close your account.
  • Request a credit limit decrease.
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