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. Your account will be honored 24 hours after you are approved.

Where can my JCPenney Credit Card be used?
Your JCPenney Credit 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 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.

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 paymenthas been received. You can also request a creditline 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 privace 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.

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 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 965009
Orlando, FL 32896-5009

cardholders in 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, 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 965009
Orlando, FL 32896-5009

cardholders in 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 (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 960090
Orlando, FL 32896-0090

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
P.O. Box 965006
Orlando, FL 32896-5006

For cardholders residing in Puerto 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 by money order, please check with the issuer and mail a copy, front and back, to the following address:

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

For cardholders residing in Puerto 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 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 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
C/O SYNCB
P.O. Box 965006
Orlando, FL 32896-5006

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

JCPenney Credit Services
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 Services.

 

Pay my bill (JCPenney 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 JCPenney Online Credit Center?

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

What amounts can I pay through the JCPenney 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 JCPenney Online Credit Center, how can I find the status of my online payment?

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

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?

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

Contact JCPenney Credit Services (back to top)

by phone:

by mail:

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.