We've assembled all kinds of information to help you use your JCPenney Card and manage your account. You'll find answers to your questions about:

Your JCPenney Card (back to top)

Do I need to call to activate my card before I use it?
No. Your card is automatically activated when you make your first purchase.

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 Card be used?
Your JCPenney Card can be used at all JCPenney stores, jcp.com and Sephora.com.

I applied online and was approved. How long until I receive my card?
Once you've been approved for a JCPenney 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 Card Customer Service.

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 Card Customer Service.

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 amount, last sale date and amount and last payment date and amount.
• Recent Activity - Lets you view a list of your current transactions, the activity that will appear on your next statement.
• 3-Month History - Provides a summary of your transactions for your past three billing periods.

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.

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 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 Card Customer Service.

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 Card Customer Service.

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. For Puerto Rico and U.S. Virgin Island cardholders, please call Caribbean American Life Assurance Company at 1-800-981-8888, during the hours of 8:00 am - 5:00 pm Atlantic Standard 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 card purchases, 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 Account, please contact JCPenney Credit Card Customer Service.

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 Customer Service
C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131

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

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

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 Customer Service
C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131

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

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

Payments (back to top)

How can I pay my bill?
You may pay your bill by mail, at any JCPenney Department store or online (either through the Online Credit Center or through MyCheckFree.com). Click here to find out more about each online payment service.

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

SYNCB
P.O. Box 960090
Orlando, FL 32896-0001

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 can make a payment through the Online Credit Center (log in and select "Pay your Bill Online" from the navigation bar). Or, you can also make payments through MyCheckFree.com. Click here to find out more about each 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 Customer Service
C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131

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

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

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

JCPenney Credit Services Customer Service
C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131

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

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

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 Card Customer Service.

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

JCPenney Credit Services Customer Service
C/O SYNCB
P.O. Box 981131
El Paso, TX 79998-1131

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

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

The verification should show the difference charged to your account. Upon receipt of this information, we will give this matter our immediate attention.

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 Card Customer Service.

 

Pay Your Bill Online (Online Credit Center) (back to top)

Can I make a payment online?

Can I make a recurring payment online?

What information will I need to pay my bill through the Online Credit Center?

Where can I find my checking account number and bank routing number?

What amounts can I pay through the Online Credit Center?

Can I make a payment immediately after enrolling?

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

On the Online Credit Center, how can I find the status of my online payment?

On the Online Credit Center, can I stop payment on my online payment?

CheckFree (back to top)

Why should I enroll in e-bill/e-pay? ? (click here to visit MyCheckFree.com)
By enrolling in e-bill/e-pay, you can view your JCPenney Credit Card bill simply by clicking a button. No hassling with checks, envelops, or stamps. Plus, by following the online payment guidelines, you can ensure that your payment will arrive on time, every time.

Who is CheckFree ? (click here to visit MyCheckFree.com)
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.

How do I enroll in e-bill/e-pay? (click here to visit MyCheckFree.com)
We are bringing you the convenience to pay your bill online at no charge through our partnership with CheckFree, The Company that Powers Payment in the Web™. Click here to enroll with CheckFree.

What is Online Payment Service? (click here to visit MyCheckFree.com)
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.

What if I am already enrolled with an online billing Customer Service Provider? (click here to visit MyCheckFree.com)
You may be able to easily activate your JCPenney Card e-bill if your bill payment service is one of CheckFree's 1,000 plus partners. Simply go to your service's "Payee Setup" screen, click on "Add Payee" and select JCPenney from the list of e-billers.

If JCPenney is not one of the choices listed, then your service may not be affiliated with the CheckFree network. You can still view your e-bill online at no charge by enrolling in CheckFree's free e-bill service at https://www.mycheckfree.com.  Each month you can conveniently view your JCPenney Card bill online but continue to pay it through your existing bill payment service.

Will I be charged extra for receiving or paying my JCPenney bill online? (click here to visit MyCheckFree.com)
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.

• Banks and Credit Unions
• Internet Portal Sites
• Brokerages

Which browser do you recommend I have in order to properly view my electronic statement? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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.

Are there any scheduled times when I will be unable to view my JCPenney bill online? (click here to visit MyCheckFree.com)
Our webserver is down for maintenance purposes on Sunday between 2 am and 6 am Eastern Time.

When will I receive my first e-bill? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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.

Will I continue to receive my paper bill? (click here to visit MyCheckFree.com)
Yes, you will continue to receive your JCPenney Card paper bill.

How do I print my online statements? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
JCPenney may elect to advertise upcoming sales and other events in the Marketing panel of your e-bill.

Can I make a payment by mail if I receive my bills online? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
Please be aware that you need to initiate the scheduled payment request at least two 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? (click here to visit MyCheckFree.com)
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? (click here to visit MyCheckFree.com)
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.

Credit Lines (back to top)

How can I request a credit line increase?

How can I request a credit line decrease?

Download Account Activity (back to top)

How can I download account transactions to my personal computer?

What software can I download account transactions to?

Contact JCPenney Credit Card Customer Service (back to top)

By Phone:

By Mail:

Online:

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.
• 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.