Are you looking for information on how to get a JC Penny credit card? If so, look no further. On this page you will find general information about the JC Penney credit card, you will learn about the card's terms and conditions and you will also see what the benefits are that you will be able to enjoy.

In 1902, James Cash Penney, opened his first dry goods store in Kemmerer, Wyoming. After several ups and down James ended up working for T. M. Callahan. T.M. Callahan owned the 'Golden Rule' which was a dry goods retailer. After working three years as a salesman, Penney was offered to become the store manager. He declined the offer and decided to open a 'Golden Rule' store in Kemmerer. Callahan and another associate partnered up with him only to be bought out by Penney. James now owned a total of three stores and kept on expanding the chain. Today you can find over 2,000 JC Penney stores throughout the Unites States.http://www.fundinguniverse.com/company-histories/JC-Penney-Company-Inc-Company-History.html

JC Penney offers three different store credit cards. You start off with a regular store credit card and depending on how much you spend, you can get upgraded to a JC Penney Privilege Gold card or a JC Penney Privilege Platinum card. The JC Penney cards also come with many benefits for the card holder.

People sign up for store credit cards for many reasons. Some people apply for store credit cards to build their credit while others apply because they are tempted by the many benefits offered. In general the approval process for store credit cards is easier then when you apply for a regular credit card. What people tend to forget is that store credit cards often have high interest rates and do leave an inquiry on your credit report. Before you apply for any credit card, you want to make sure to read the terms and conditions so you can determine if you can afford the card or not. Hopefully the information below will answer some of the questions you may have regarding the JC Penney credit card.http://www.jsnet.org/news-article/pros-and-cons-of-store-credit-cards/

If you want to get a JC Penney store credit card the first step is to fill out the application. You can apply for the JC Penney store credit card by going online and filling out the online application, or you can fill out an application in your local JC Penney store. When filling out the application various personal, financial and professional information will be requested of you. This information will remain strictly confidential and when submitting through the Internet a secured server is enabled. The following information will be requested of you:

• ■ Full name, address and phone number
• ■ Social security number
• ■ Date of birth
• ■ Email address
• ■ Monthly income
• ■ Your mother's maiden name
• ■ Driver's license number and expiration date

In order to process you application you will have to agree to the terms and conditions set by the card issuing bank. The bank in this case is GE Money Bank. Once you submit our application and you're approved, your JC Penney card will be mailed to you within 7 - 10 business days. If you don't get an instant response, you will get a letter in the mail in 7 - 10 business days. Your JC Penny credit card can be used at all JC Penney stores, at CVS/Pharmacy and Rite Aid Pharmacy, on jcp.com, and on merchandise from the JC Penney Catalog. Keep in mind that if after approval, you have not received your card in the mail yet, you can use your driver's license to have a temporary card issued at the JC Penny store customer service counter. You can do this as soon as 24 hours after approval.https://www.onlinecreditcenter2.com/JCPenney/occ-faqs.html#yourjcp

If you are approved for a JC Penney store credit card, you want to make sure you know what the benefits are of having the card. Many store credit cards have rewards programs where you earn point when purchasing items. The points can eventually be redeemed for rewards certificates that can be used just as money. The JC Penney card is no different. Make sure you know the benefits so that you can shop at the stores that will get you the most rewards in return. Following are the benefits for the three cards you can end up owning:

THE JC PENNEY CARD BENEFITS:

• ■ Card holders get to enjoy special saving events.
• ■ Earn 25% in rewards points by joining the JCP rewards club.
• ■ No Fraud liability.
• ■ Access to online account management.
• ■ You can use your card in all JC Penney stores, at JCP.com, when purchasing from the JC Penney catalog and at CVS/pharmacy and

Rite Aid Pharmacy.https://www.onlinecreditcenter2.com/JCPenney/e-service_comparison.html

PRIVILEGE GOLD CARD BENEFITS: (Annual spending $500 or more)
Card holders enjoy the same benefits as the JC Penney card, plus:

• ■ Cardholders get special savings certificates
• ■ On your birthday you get a rewards certificate.
• ■ Attend JC Penney Privilege Financing Events.
• ■ You get to choose your monthly billing date.
• ■ You will receive a special toll free customer service number.

PRIVILEGE PLATINUM CARD BENEFITS: (Annual spending $100 or more)
Card holders enjoy the same benefits as Privilege Gold Card holders, plus:

• ■ Protection from ID theft
• ■ Enjoy free shipping events for items ordered from JCP.com or from the JC Penney catalog.
• ■ An extra three months on top of the JC Penney Privilege Financing Events.

Each credit card has certain terms and conditions the card holders have to agree on when filling out the credit card application. GE Money Bank wants to make sure that you are aware of the possible fees and charges you might get charged if you for instance are late making a payment. They basically want to know that you are aware of what you are getting yourself into. If you don't accept the terms and conditions, your application will not be processed. The terms and conditions provide a full summary of the fees and interest charges you can expect to pay. For JC Penney the following fees, charges and conditions apply:

1. Annual Percentage Rate (APR): 26.99%.
2. Minimum finance charge: $1.
3. Late payment fee: $15 - $39 depending on amount of balance.
4. Returned payment fee: $29.
5. Annual fee: $0.

If you pay your entire JC Penney card balance by the due date you will not get charged any interest fees. The payment due date is 23 days after the close of each billing cycle.https://www.onlinecreditcenter2.com/eapplygen2/marketing.do

Keep in mind that GE Money Bank reserves the right to cancel or change your credit card at any time if you do not keep to the terms and conditions. They can do this without giving you any notice. Also, states like Alaska and Puerto Rico are not eligible for certain benefits. Make sure to read any fine print, so you know what goes for you.https://www.onlinecreditcenter2.com/JCPenney/e-service_comparison.html