Welcome to the JCPenney Online Credit Center operated by the Synchrony Bank ("SYNCB"), the issuer of the JCPenney Card. We encourage you to read our Privacy Policy and Web Site Usage Agreement (en espa�ol Pol�tica de Confidencialidad / Contrato de Uso de Sitio Web) which govern the use of the JCPenney Card Online Credit Center. Please note that this privacy policy and web site usage agreement may differ from those of any websites that you may have previously visited.