"Declined Then Approved "
JCPenney Credit Card® Review
Written by: roy456 on 2008-01-16
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
roy456's review: 
I applied online and was declined, then went to the store and was approved for 600.00 cl. Spent 174.00 in the store and got 10% off because of the new card. I am hoping this card will be a great card!!! Lete me know
I applied online and was declined, then went to the store and was approved for 600.00 cl. Spent 174.00 in the store and got 10% off because of the new card. I am hoping this card will be a great card!!! Lete me know
4 Comments
Comment 1 by hjm331
Congrats! 
on 2008-01-16
Hey Roy456, you made a great decision by applying for a department store card. As long as you pay on time and don't go over your limit, they should give you good amount of increases which will look good on your report.
I have a Macy's card and they gave me a $300 credit limit increase in 2 months! I paid in full every month. They started me off at $300, so now it's $600. I spent about $65 on that card in order to get that increase.
on 2008-01-16 Hey Roy456, you made a great decision by applying for a department store card. As long as you pay on time and don't go over your limit, they should give you good amount of increases which will look good on your report.I have a Macy's card and they gave me a $300 credit limit increase in 2 months! I paid in full every month. They started me off at $300, so now it's $600. I spent about $65 on that card in order to get that increase.
Comment 2 by ash
Re: Hey on 2008-01-17
Congrats!!!
By the way what was your score when you applied online? They told me no as well...
on 2008-01-17 Congrats!!!By the way what was your score when you applied online? They told me no as well...
Comment 3 by roy456
Scores on 2008-01-18
My scores were 597 530 597
Now 2 days later 597 530 606
trans, expe, equi.
I have 4 negative that I am trying to get off.
on 2008-01-18 My scores were 597 530 597Now 2 days later 597 530 606
trans, expe, equi.
I have 4 negative that I am trying to get off.
Comment 4 by meya
Way To Go on 2008-01-18
I hate to say this but, you just missed the 70% off sale they had for one day. I took advantage over that and purchased me some duck feather pillows. They had those for buy one get one for $1. You have a good card, they will up your limit increase in about four months or so. Call in and ask for one.
on 2008-01-18 I hate to say this but, you just missed the 70% off sale they had for one day. I took advantage over that and purchased me some duck feather pillows. They had those for buy one get one for $1. You have a good card, they will up your limit increase in about four months or so. Call in and ask for one.
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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.
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.
