JCPenney Online Credit Center (2024)

Your JCPenney Credit Card(backto top)

Do I need to call toactivate 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 Iuse my account at a JCPenney Store before I receive my card in themail?
Yes, just bring valid photo identification to thecustomer service area in any JCPenney Store and they will issueyou a temporary card to allow you to purchase that day in thestore. Your account will be honored 24 hours after you areapproved.

Wherecan my JCPenney Credit Card be used?
Your JCPenney Credit Card can beused at all JCPenney Stores, jcp.com and Sephora.com.

Iapplied online and was approved. How long until I receive my card?
Once you've been approved for a JCPenney Credit Card online, itwill take 7-10 business days to receive your card in the mail. Ifyou don't receive your card within 10 business days, pleasecontact JCPenney Credit Services.

I didnot get an immediate response on my application. What happensnext?
If you did not receive an immediate response toyour online credit application, you will receive correspondencefrom us via mail in 7-10 business days.

Can Irequest a replacement card online?
Yes. After you log-in,select replacement card from the e-Service menu. The card will besent to the address on record.

Please Note: This online formshould not be used if your card was lost or stolen. Lost or stolencards should be reported immediately by calling JCPenneyCredit Services.

Whydo I need to enter personal information to log-in?
Youneed to provide some personal information to log-in to ensure thatyour account is protected from unauthorized access.

What accountinformation is available online?
After you log-inyou will have access to the following information:

• Account Summary - Gives you an overview of your accountincluding: current balance, credit line, available credit, amountcurrently due, last bill date and a amount, last sale date andamount and last payment date and amount.


• Statements-Gives you access to view your bill online. Providessummary of your recent transactions and past 3 billing periods.


• Payments- you can pay your bill online, access your paymenthistory or set up and edit your bank information.


• Account Service- Allows you to set up email alerts to notify youwhen your payment is due or when your paymenthas beenreceived. You can also request a creditline increase, report yourcard as lost/stolen or request a replacement card.


• Manage Profile- You can update your address/ Phone/ email; oryour security information, or change your privace option.


• Contact Us- You contact us by sending us emails through thesecure online message center.

Whatare e-Services?
e-Services are online email messageforms that let you make secure inquiries about your JCPenneyaccount. You need to provide some personal information to log-into ensure that your account is protected from unauthorized access.You can currently take advantage of the following onlinefunctionality:

• Notify us of a payment you recently sent or will besending.
• 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.

Howcan I check my account balance?
You can view the accountbalance as of your last statement date by selecting "AccountSummary" from the JCPenney Online Credit Center main menu.After you log-inyou can view your balance and other account information.

Howcan I request a credit balance refund?
If you have aquestion regarding a credit balance on your account please contactJCPenney Credit Services.

Whatshould I do if I have questions regarding a credit promotion orcredit insurance?
If you have a question concerning apromotional purchase, please call JCPenney Credit Services.

If you havequestions concerning credit insurance program, please callStonebridge Life Insurance Company at 1-800-443-1031 during thehours of 8:00 am - 8:00 pm central time, Monday through Friday.

Users on account (backto top)

Whatis the difference between an authorized user and a jointapplicant?
An authorized user is anyone who an accountholder has authorized to make purchases on their JCPenney consumercharge account. Although the authorized user can make JCPenney Credit Cardpurchases, he/she can not request accountinformation, make changes to the account, and is not responsiblefor repayment of the Account. The primary account holder isresponsible for any charges that the authorized user incurs on theaccount. A joint applicant and the primary cardholder share theresponsibility for their JCPenney consumer credit account. Thejoint applicant can request account information, make changes tothe account, and is responsible for repayment of the Account.

How doI add or remove an authorized user to my account?
To remove or add an authorized user to your JCPenney Account,please contact JCPenney CreditServices.

How doI remove a joint user?
If your account was originallyopened as a joint account, meaning you and another individual bothsigned the contract accepting responsibility for the account, wewould be unable to alter the contract by removing a name. We wouldhowever, be happy to close your account to further charges if youso request. If you want to have your account closed, please send arequest in writing to the address shown below.

JCPenney Credit Services
C/O SYNCB
P.O. Box 965009
Orlando, FL 32896-5009

cardholdersin Puerto Rico and the U.S. Virgin Islands can write to:

JCPenney Credit Services
C/O SYNCB
PO Box 364788
San Juan, PR 00936-4788

Browsers, securityand online customer service hours (backto top)

BrowserRequirements:
To log-in to the JCPenney CreditCard Online Credit Center, you need a browser which isSSL-compliant and has a "secure mode". When your browser is insecure mode, you will notice an unbroken key or lock at the bottomof the page.

CompatibleBrowsers:
We recommend using Netscape Navigator / Communicator 4.5 orhigher, Microsoft Internet Explorer 4.0 or higher, or AOL version4.0 or higher. If you are accessing our site with a browser otherthan those recommended above, you may not be able to log-in orview your account information.

Is theinformation that I enter secure?
JCPenney CreditServices uses SSL encryption, an industry standard to protect youraccount information from unauthorized access. When your browser isin secure mode, you will notice an unbroken key or lock at thebottom of the page.

Arethere any times when online customer service is unavailable?
Our webserver may be down for maintenance purposes daily betweenMidnight and 6:00 am eastern time.

Updating personalinformation (backto top)

How doI update my mail address and/or phone number?
Log-in toyour account and on the account summary page select updatepersonal information in the left navigation bar. This service maynot be available to all cardholders.

How doI advise you of a legal name change?
To expedite yourrequest to change the name on the account, we will require a copyof the legal document which confirms the change. Please be sure tosend only a copy of the document, not the original, as we do notreturn the document. Once we receive the supporting document, wewill complete the requested name change. Please sendcorrespondence to:

JCPenney Credit Services
C/O SYNCB
P.O. Box 965009
Orlando, FL 32896-5009

cardholdersin Puerto Rico and the U.S. Virgin Islands can write to:

JCPenney Credit Services
C/O SYNCB
PO Box 364788
San Juan, PR 00936-4788

Payments (backto top)

How can I pay my bill?
You may pay your bill by mail, at any JCPenneydepartment store or online through the JCPenney OnlineCredit Center. Click hereto find out more about online payment service.

To mail your payment:
Please mail check or money order to:

SYNCB
P.O. Box 960090
Orlando, FL 32896-0090

To pay in store:
Present a check, money order or cash at any JCPenney departmentstore. Visit the online JCPenney Store locator to find thestore nearest you.

To pay online:
You may make a payment through the JCPenney OnlineCredit Center (log in and select "pay your bill online" from thenavigation bar). Click hereto find out more about online payment service.

What should I do ifmy payment has not been posted?
If your payment was madeby mail, please allow 7-10 days from the mailing date for yourpayment to be processed.

If your check has been cashedand 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
P.O. Box 965006
Orlando, FL 32896-5006

For cardholders residing inPuerto Rico or U.S. Virgin Islands, send it to:

JCPenney Credit Services
C/O SYNCB
P.O. Box 364788
San Juan, PR 00936-4788

If your payment was made bymoney order, please check with the issuer and mail a copy, frontand back, to the following address:

JCPenney Credit Services
C/O SYNCB
P.O. Box 965006
Orlando, FL 32896-5006

For cardholders residing inPuerto Rico or U.S. Virgin Islands, send it to:

JCPenney Credit Services
C/O SYNCB
P.O. Box 364788
San Juan, PR 00936-4788

If your payment was madeelectronically, please check with your electronic paymentprovider.

Can I get my paymentdue date changed?
JCPenney Credit Services will workwith you to change your due date. Simply contact JCPenneyCredit Service.

Apayment posted on my account was in error. What should I do?
If your statement shows that your payment was received, but it isfor a different amount than you sent, please accept our apologyfor any inconvenience this may have caused. In order to correctany difference in the amount that should have been credited,please send bank verification to the following address:

JCPenney Credit Services
C/O SYNCB
P.O. Box 965006
Orlando, FL 32896-5006

For cardholders residing inPuerto Rico or U.S. Virgin Islands, send it to:

JCPenney Credit Services
C/O SYNCB
P.O. Box 364788
San Juan, PR 00936-4788

Theverification should show the difference charged to your account.upon receipt of this information, we will give this matter ourimmediate attention.

Howcan I inform you of a payment that I recently sent or will soon besending?
To notify us of a payment that you recentlysent or will soon send please call or click here to log-in to your account and send us a securemessage with the detail of your payment. This notification canalso be done by phone by contacting JCPenneyCredit Services.

Pay my bill (JCPenney Online Credit Center) (backto top)

Can Imake a payment online?

Can Imake a recurring payment online?

No. At this time, ouronline payment service cannot accept recurring payments.

Whatinformation will I need to pay my bill through the JCPenneyOnline Credit Center?

Wherecan I find my checking account number and bank routing number?

Whatamounts can I pay through the JCPenney Online CreditCenter?

You may choose one ofthe 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 yourprevious statement (previous balance minus payments andadjustments plus transactions and finance charges)
3) Other - any amount up to your current balance

Can Imake a payment immediately after enrolling?

Yes. You can make apayment, provided it is not greater than your current balance.

Howlong does it take for an online payment to post to my account?

The scheduled paymentdate must be at least one day later than today's date. Paymentsmay take up to 3 days to post to your account. Payments will beapplied to your account as of the scheduled payment date.

On theJCPenney Online Credit Center, how can I find the statusof my online payment?

On theJCPenney Online Credit Center, can I stop payment on myonline payment?

Yes, but only if youronline payment is pending or has not been processed.

Creditlines (backto top)

Howcan I request a credit line increase?

Howcan I request a credit line decrease?

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.jcprewards.com/FAQ.aspx

ContactJCPenney Credit Services (backto top)

byphone:

by mail:

online:

click hereto log-in to the JCPenney Online Credit Center for thefollowing:

• Notify us of a payment you recently sent or will soonsend.
• 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 aboutyour account.