THE REVIEW CAN BE COVERED IN ONE WORD. "SUCKS"

just wanna ask a question..whats the credit score limit to apply on jcpenney?

had the account for many years and always paid on time.  Bill I planned to mail got lost (fell out of bag and I found it later and immediately paid online but to no avail). Was reported to credit agency for "30 days overdue"....the first negative I have ever had on my credit account (in 30 years).  This was for a $13.00 bill.  No warning given.

  I was approved for the JCP CC 2/29/12..     My numbers were as follows: Credit Karma TransRisk 645, Vantage 736 & Auto Insurance 903/ FreeScore.com TU 645, Eqfx 629 and Exp 650...  For the past 2 years, I've been  a Orchard Bank and Public Bank card holder, both with a secured limit of $200.  I've paid each month on time and even began to pay more once I saw the positive impact to my credit.  Last night, I applied for two CCs and was approved for both ($2K CapOne) and  the JC Penny cc and was approved for $300 limit.  I plan to make one small purchase per month and pay each balance in full.  It would be hard to really shop with the limit given and only use 33% of the available credit but it puts me on a path to better credit.     I'll update my progress...  Apparently, JCP will increase your limit every 4mths or so with good payment history...  My history will be great since I plan to strategically purchase for the next few months...  I think I'll go for socks.   Hope this helps someone.

i have never had any problem with jcp they have been good to me

 When I received my original credit card in 1981, I used it for necessities only - mainly because my wages were low and spending sprees were taboo.  In recent years my wages improved up until I retired.  My credit score has is very good, but I seldom use JCP card, and  the main reason is the interest rate of 23.99% and  The second reason is:  I'm a dyed-in-the-wool "buy American" advocate and it's hard to find many items that aren't made in China, Pakistan, Thailand, Korea, Mexico, et al. This isn't just targeting JCP - nearly every store in my area has a plethora of foreign goods at "huge-profit" prices.

Dont like how they gave me a 2000 dollar limit and then for no reason decide to cut it to 1000 . Believe it or not that affects your credit score without me doing anything . example lets say I opened it and charged 1500 dollars then pay it off. now my limit is 1000 . It looks like I over charged on my account but acctually I was 500 dollars under my original limit . Just another way the banks screw us. And now if I want my limit raised they have to do another inquirey witch will lower my credit score again. Thanks Big banks but Im on to your tactics

 5STARS

I got approved with a 639 CK score with a credit limit of $400. I have had the card for 5 months with no credit increase. It reports to all 3 credit agencies. I'm satisfied overall with the card and its services. Just checked my credit scores and I now have a 697 credit score from Trans union (639CK score). Can someone explain the difference in the two scores? I was under thimpression that CK used TU for its credit profile pull.

I have been a J. C, Penney's customer for about 15 years always paid on time and had a great limit.  I maarried and changed my address and that changed everything.  They blocked my account because I changed my address online as they suggest.  I called to verify and because I remembered one of the security questions9( from about 20 years ago; an oldl address) right after they bypassed it they blocked my account another 30 days.  Called back after 30 days and because I couldln't tell them exactly how long a vehicle Ibought was financed they permanently blocked my account, that is a bunch of hogwash.  They told me to rea pply come on man (I just got mararied, bought a house, bought a vehicle - my limit would be almost $0), I guess it's a good thing this is not the only card I have.  If you decide to make any changes to your card have your credit report in front of you so you don't receive a block.  Strange as it is you question my address but you don't question the address when you receive the payment.      

I've had a good experience with this credit card.  Its perks are not that great from my point of view, since the points system resets itself every month.  As a college student, having this card really helped me start to build my credit.  I use it for very small purchases at a time, and usually at CVS rather than JCPenney (yes, they accept this card at CVS and Rite-Aid).  The interest rate is awful, so definitely don't get this card if you don't plan to pay it off each month. I started off with a $150 CL in May when I got this card, and now that I've had it for 4 months and paid on time, they raised my limit to $1100 last week.  That, in addition to another card, raised my score to 720.  For someone with credit reports that aren't even a year old yet, that's not too shabby