"Unusual Experience!"
JCPenney Credit Card® Review
Written by: bramford on 2008-01-22
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
bramford's review: 
Initially, I got this card in 2004 with a 150 limit. I went 30 days late, and my home phone and cell phone went off the hook! Someone from india calling me hour upon the hour, I am talking 24 hours a day! Calling at 12 midnight, 2 in the morning etc... I went to the store and payed the card off, closed the account immediately. By the way, during the 1-1/2 year period that I had the card they never offered to give me an credit increase.
My second experience with this card was completely different. I applied and was approved for 500 in 7-1-2007. Four months later they increased my credit line to 1500. Two months later they increased it to 1800. In December 2007, I called their credit card department, and asked them if they would please remove the 30-60 late that was on credit report from the previous account I had with them, and they agreed. Two weeks later when I pulled my credit report I saw that they had removed the 30-60 late from all three credit reporting agencies. My score went up 20 points! In January 2008, I called and said that I do not like the 1800 credit limit because it was not a smooth number LOL, and asked them to increase it to 2000, and they did.
During the holidays I spent over 1000, and now have their Platinum Privilege card.
My experience with JC Penney has been very unusual, insane, and Surprising !! To say the least.
Some contents of this review was edited by Finance Globe
Initially, I got this card in 2004 with a 150 limit. I went 30 days late, and my home phone and cell phone went off the hook! Someone from india calling me hour upon the hour, I am talking 24 hours a day! Calling at 12 midnight, 2 in the morning etc... I went to the store and payed the card off, closed the account immediately. By the way, during the 1-1/2 year period that I had the card they never offered to give me an credit increase.My second experience with this card was completely different. I applied and was approved for 500 in 7-1-2007. Four months later they increased my credit line to 1500. Two months later they increased it to 1800. In December 2007, I called their credit card department, and asked them if they would please remove the 30-60 late that was on credit report from the previous account I had with them, and they agreed. Two weeks later when I pulled my credit report I saw that they had removed the 30-60 late from all three credit reporting agencies. My score went up 20 points! In January 2008, I called and said that I do not like the 1800 credit limit because it was not a smooth number LOL, and asked them to increase it to 2000, and they did.
During the holidays I spent over 1000, and now have their Platinum Privilege card.
My experience with JC Penney has been very unusual, insane, and Surprising !! To say the least.
Some contents of this review was edited by Finance Globe
4 Comments
Comment 1 by meya
Wow 
on 2008-01-22
I would not call it strange, I woud say, U-go-with- ya-bad-self! This is a good thing, and thanks for the heads up on the increases because they gave me $500-$1500 in four months also.
on 2008-01-22 I would not call it strange, I woud say, U-go-with- ya-bad-self! This is a good thing, and thanks for the heads up on the increases because they gave me $500-$1500 in four months also.
Comment 3 by lyyssa01
Ahh... on 2008-03-26
Brammy, I've been reading your reviews, and I love them. I need you to come to my house and talk to the customer service reps and get my cli!! You make it sound as easy as breathing.
on 2008-03-26 Brammy, I've been reading your reviews, and I love them. I need you to come to my house and talk to the customer service reps and get my cli!! You make it sound as easy as breathing.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of 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.
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.
