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Your JCPenney Credit Card
(back
to top)
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.
Where
can my JCPenney Credit Card be used?
Your JCPenney Credit Card can be
used at all JCPenney Stores, and
jcp.com. If you have a JCPenney Mastercard, it can be used worldwide- anywhere that accepts Mastercard.
How do I find the nearest
JCPenney Store?
Visit the online
JCPenney Store locator.
I
applied online and was approved. 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.
I did
not get an immediate response on my application. What happens
next?
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.
Can I
request a replacement card online?
Yes. After you
log-in,
select replacement card from the e-Service menu. The card will be
sent to the address on record.
Please Note: This online form
should not be used if your card was lost or stolen. Lost or stolen
cards should be reported immediately by calling JCPenney
Credit Services.
The
JCPenney Online Credit Center (back
to top)
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?
After you
log-in
you will have access to the following information:
- 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 payment has been
received. You can also request a credit line 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 privacy 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. You need to provide some personal information to log-in
to ensure that your account is protected from unauthorized access.
You can currently take advantage of the following online
functionality:
- Notify us of a payment you recently sent or will be
sending.
- Request an additional card.
- Request a statement.
- View purchase details.
- Make a payment.
- Request a credit line increase.
- Update your personal account information.
- Download your account activity.
- Record your privacy preference.
Account
information & requests (back
to top)
How
can I check my account balance?
You can view the account
balance as of your last statement date by selecting "Account
Summary" from the JCPenney Online Credit Center main menu.
After you
log-in
you can view your balance and other account information.
How
can I request a credit balance refund?
If you have a
question regarding a credit balance on your account please contact
JCPenney Credit Services.
What
should I do if I have questions regarding a credit promotion or
credit insurance?
If you have a question concerning a
promotional purchase, please call
JCPenney Credit Services.
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.
Users on account (back
to top)
What
is the difference between an authorized user and a joint
applicant?
An authorized user is anyone who an account
holder has authorized to make purchases on their JCPenney consumer
charge account. Although the authorized user can make JCPenney Credit Cardpurchases, he/she can not request account
information, make changes to the account, and is not responsible
for repayment of the account. The primary account holder is
responsible for any charges that the authorized user incurs on the
account. A joint applicant and the primary cardholder share the
responsibility for their JCPenney consumer credit account. The
joint applicant can request account information, make changes to
the account, and is responsible for repayment of the account.
How do
I add or remove an authorized user to my account?
To remove or add an authorized user to your JCPenney Credit account,
please contact JCPenney Credit
Services.
How do
I remove a joint user?
If your account was originally
opened as a joint account, meaning you and another individual both
signed the contract accepting responsibility for the account, we
would be unable to alter the contract by removing a name. We would
however, be happy to close your account to further charges if you
so request. If you want to have your account closed, please send a
request in writing to the address shown below.
JCPenney Credit Services
C/O SYNCB
P.O. Box 71731
Philadelphia, PA 19176-1731
Cardholders in Puerto Rico and the U.S. Virgin Islands can write to:
JCPenney Credit Services
C/O SYNCB
PO Box 166013
Altamonte Springs, FL 32716
Browsers, security
and online customer service hours (back
to top)
Browser
Requirements:
To log-in to the JCPenney Credit
Card Online Credit Center, 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.
Compatible
Browsers:
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 account information.
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.
Updating personal
information (back
to top)
How do
I update my mail address and/or phone number?
Log-in to
your account and on the account summary page select update
personal information in the left navigation bar. This service may
not be available to all cardholders.
How do
I advise you of a legal name change?
To expedite your
request to change the name on the account, we will require a copy
of the legal document which confirms the change. Please be sure to
send only a copy of the document, not the original, as we do not
return the document. Once we receive the supporting document, we
will complete the requested name change. Please send
correspondence to:
JCPenney Credit Services
C/O SYNCB
P.O. Box 71731
Philadelphia, PA 19176-1731
Cardholders in Puerto Rico and the U.S. Virgin Islands can write to:
JCPenney Credit Services
C/O SYNCB
PO Box 166013
Altamonte Springs, FL 32716
Payments (back
to top)
How can I pay my bill?
You may pay your bill by mail, at any JCPenney
department store or online through the
JCPenney Online
Credit Center. Click here
to find out more about online payment service.
To mail your payment:
Please mail check or money order to:
SYNCB
P.O.Box 71719
Philadelphia, PA 19176-1719
To pay in store:
Present a check, money order or cash at any JCPenney department
store. Visit the online
JCPenney Store locator to find the
store nearest you.
To pay online:
You may make a payment through the
JCPenney Online
Credit Center (log in and select "pay your bill online" from the
navigation bar). Click here
to find out more about online payment service.
What should I do if
my payment has not been posted?
If your payment was made
by mail, please allow 7-10 days from the mailing date for your
payment to be processed.
If your check has been cashed
and it is not showing as posted, please mail a copy of the check,
front and back, to the following address:
JCPenney Credit Services
C/O SYNCB
Attn: Missing Payments
P.O. Box 71728
Philadelphia, PA 19176-1728
For cardholders residing in
Puerto Rico or U.S. Virgin Islands, send it to:
JCPenney Credit Services
C/O SYNCB
Attn: Missing Payments
P.O. Box 166013
Altamonte Springs, FL 32716
If your payment was made
electronically, please check with your electronic payment
provider.
Can I get my payment
due date changed?
JCPenney Credit Services will work
with you to change your due date. Simply contact
JCPenney
Credit Service.
A
payment posted on my account was in error. What should I do?
If your statement shows a payment posted for a different amount than you sent, please send bank documentation to confirm the actual amount withdrawn from your account to the address below. Upon receipt of this information, we will give this matter our immediate attention.
JCPenney Credit Services
C/O SYNCB
P.O. Box 71728
Philadelphia, PA 19176-1728
For cardholders residing in
Puerto Rico or U.S. Virgin Islands, send it to:
JCPenney Credit Services
C/O SYNCB
P.O. Box 166013
Altamonte Springs, FL 32716
How
can I inform you of a payment that I recently sent or will soon be
sending?
To notify us of a payment that you recently
sent or will soon send please call or
click here to log-in to your account and send us a secure
message with the detail of your payment. This notification can
also be done by phone by contacting JCPenney
Credit Services.
Pay my bill
(JCPenney Online Credit Center) (back
to top)
Can I
make a payment online?
Yes, for your
convenience, click on pay
your bill online. Can I
make a recurring payment online?
No. At this time, our
online payment service cannot accept recurring payments.
What
information will I need to pay my bill through the JCPenney
Online Credit Center?
You need to have a
valid checking account from a U.S. financial institution and the
following information:
- Bank name
- Checking account number
- Bank routing number
Where
can I find my checking account number and bank routing number?
You can find this
information on the bottom of your check. image of checkWhat
amounts can I pay through the JCPenney Online Credit
Center?
You may choose one of
the following three options:
1) Total Minimum Payment Due
- amount you must pay in order to avoid a late payment fee
2) Last Statement Balance - balance reflected in your
previous statement (previous balance minus payments and
adjustments plus transactions and finance charges)
3) Other - any amount up to your current balance
Can I
make a payment immediately after enrolling?
Yes. You can make a
payment, provided it is not greater than your current balance.
How
long does it take for an online payment to post to my account?
The scheduled payment
date must be at least one day later than today's date. Payments
may take up to 3 days to post to your account. Payments will be
applied to your account as of the scheduled payment date.
On the
JCPenney Online Credit Center, how can I find the status
of my online payment?
To find out the
status, click Pay
Your Bill Online. On the
JCPenney Online Credit Center, can I stop payment on my
online payment?
Yes, but only if your
online payment is pending or has not been processed.
Credit
lines (back
to top)
How
can I request a credit line increase?
You may request a
credit line increase by clicking Request
a credit line increase. How
can I request a credit line decrease?
In order to request a
credit line decrease, please contact JCPenney
Credit Services.
Download account activity
(back to top)
How can I download account transactions to my personal computer?
You can download account transactions to your personal computer by clicking Download Account Activity.
What software can I download account transactions to?
You can download account transactions to Quicken, QuickBooks, Microsoft Money, QIF, and CSV, including Microsoft Excel.
JCPenney
(back to top)
Where can I receive more information regarding the JCPenney Rewards program?
you can receive more information about JCPenney Rewards by going to
https://www.jcpenney.com/rewards
Contact
JCPenney Credit Services (back
to top)
by
phone:
For U.S. cardholders, call 1-800-527-4403 for internet
support (or 011-800-527-4403 for residents of Mexico) and 1-800-542-0800
for general inquiries, during the following hours of operation:
| Monday - Friday |
7:00 am - 12:00 am Eastern Time |
| Saturday - Sunday |
9:00 am - 12:00 am Eastern Time |
For cardholders in Puerto Rico and the U.S. Virgin Islands, please
call 1-800-981-8400 during the same hours of
operation.
by mail:
| send written inquiries to: |
For cardholders residing in Puerto Rico
or U.S. Virgin Islands: |
JCPenney
Credit Services
Customer Service C/O SYNCB
P.O. Box 71731
Philadelphia, PA 19176-1731
|
JCPenney
Credit Services
Customer Service C/O SYNCB
P.O. Box 166013
Altamonte, FL 32716
|
online:
click here
to log-in to the JCPenney 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.
- Make a payment.
- Request a replacement card.
- Update your personal account information.
- Download your account activity.
- Record your privacy preference.
click here
to send us a secure message about
your account.
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