"Denied"
JCPenney Credit Card® Review
Written by: cdrain85 on 2010-10-23
Overall Satisfaction
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cdrain85's review: 
I have applied for this card 2 times. I have a Macy's Star card. Macy's is difficult to be approved for to begin with. My score are higher then the 'needed' score to be approved, I have current in good standing accounts. I don't understand with GEMB. I love JCPenney and would have loved to have a card with them. I will still shop there. I won't give bad remarks about the company, I think they just need to re-evaluated the credit bank the work with. I think they would have more loyal customers. Cest la vie.
I have applied for this card 2 times. I have a Macy's Star card. Macy's is difficult to be approved for to begin with. My score are higher then the 'needed' score to be approved, I have current in good standing accounts. I don't understand with GEMB. I love JCPenney and would have loved to have a card with them. I will still shop there. I won't give bad remarks about the company, I think they just need to re-evaluated the credit bank the work with. I think they would have more loyal customers. Cest la vie.
2 Comments
Comment 1 by wanderer
Re: Denied 
on 2010-10-23
Most unfortunate. Why not call GEMB/JCPenney credit services and review/explain your thoughts and see if they might do a reconsideration?!
on 2010-10-23 Most unfortunate. Why not call GEMB/JCPenney credit services and review/explain your thoughts and see if they might do a reconsideration?!
Comment 2 by roughdraft
Re: Denied on 2010-10-23
Yes, that's what I would recommend. I was denied for my Capital One card online. I called them and was approved. This may or may not work for this card, but speaking with an actual person can improve your chances. Also, when you receive your letter from GE Money Bank, it should say why you are being denied. Perhaps your scores are high enough, but you still might have too little available credit. Or, if you have some bad marks on your report, like collections, or charge-off's, how recent are they? If you just paid off a charge-off, etc. Make sure it is updated on your report by contacting the creditor. It takes 30-45 days in some cases for these things to be updated on your report. Worse case, try again in six months???
on 2010-10-23 Yes, that's what I would recommend. I was denied for my Capital One card online. I called them and was approved. This may or may not work for this card, but speaking with an actual person can improve your chances. Also, when you receive your letter from GE Money Bank, it should say why you are being denied. Perhaps your scores are high enough, but you still might have too little available credit. Or, if you have some bad marks on your report, like collections, or charge-off's, how recent are they? If you just paid off a charge-off, etc. Make sure it is updated on your report by contacting the creditor. It takes 30-45 days in some cases for these things to be updated on your report. Worse case, try again in six months???
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Disclaimer: This content is not provided by Synchrony Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synchrony Bank. Review content is powered by Finance Globe.
