"Love This Card"
JCPenney Credit Card® Review
Written by: danny on 2008-06-11
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
danny's review: 
I applied for this card in July of 2007 and got instantly approved online for only $150. After a few months of on time payments I tried to get an credit limit increase and was declined. I waited a few more months and even sent a letter asking for an increase and nothing. I was on the verge of canceling the card but to my interest I decided to hit the love button just one more time and pop $1500!!! I now love the card and got the gold card to boot since I charged over $500 for the year. This is the only department store that will give you a gold for spending $500 in a year and a platnium card for spending $1000 for the year. Great sales and discount coupons for card holders as well. The CSR's could use a little service training however. I always keep this card at $0 to help my FICO score.
I applied for this card in July of 2007 and got instantly approved online for only $150. After a few months of on time payments I tried to get an credit limit increase and was declined. I waited a few more months and even sent a letter asking for an increase and nothing. I was on the verge of canceling the card but to my interest I decided to hit the love button just one more time and pop $1500!!! I now love the card and got the gold card to boot since I charged over $500 for the year. This is the only department store that will give you a gold for spending $500 in a year and a platnium card for spending $1000 for the year. Great sales and discount coupons for card holders as well. The CSR's could use a little service training however. I always keep this card at $0 to help my FICO score.
11 Comments
Comment 1 by hjm331
RE: Danny 
on 2008-06-11
Congrats! This is indeed a great card. This is the card that GEMB gives you most CLIs. The more increases you receive, the more it will help your score.
Good Luck
on 2008-06-11 Congrats! This is indeed a great card. This is the card that GEMB gives you most CLIs. The more increases you receive, the more it will help your score.Good Luck
Comment 2 by rivasglo
Glad To Hear... on 2008-06-11
Your enjoying it!
If you don't mind me asking... How many months did it take u to get u that CLI... I just got this card early last month w/ a CL of $300 and I am just curious to know how long u waited to get ur first CLI...
Thanks in advance!
on 2008-06-11 Your enjoying it! If you don't mind me asking... How many months did it take u to get u that CLI... I just got this card early last month w/ a CL of $300 and I am just curious to know how long u waited to get ur first CLI...
Thanks in advance!
Comment 3 by hjm331
RE: RivasGlo on 2008-06-11
I'm pretty sure it's anywhere between the 6-12 months range to say the least.
on 2008-06-11 I'm pretty sure it's anywhere between the 6-12 months range to say the least.
Comment 4 by yoyo11
Good Information Danny.. on 2008-06-11
Do you remember your score when applying for this card? Is JCPenny BK friendly?
on 2008-06-11 Do you remember your score when applying for this card? Is JCPenny BK friendly?
Comment 5 by hjm331
RE: Yoyo on 2008-06-11
The JcPenney's card is issued by GEMB and they are a subprime bank. I'm sure that they are BK friendly but they might be looking for a year or two of solid payment history.
on 2008-06-11 The JcPenney's card is issued by GEMB and they are a subprime bank. I'm sure that they are BK friendly but they might be looking for a year or two of solid payment history.
Comment 6 by eric
Gold Cards on 2008-06-12
Macy's also has a standard on annual spend as well:
Macy Red star Rewards card 0-$499 annual spend
Macy's Gold star Rewards card $500-$999 ( I am a Gold card holder) annual spend
Macy's Platinum Star Rewards $1000-$2499 annual spend
Macy's Elite Star (Black card) $2500+ in annual spend.
JCP is NOT the only department card that gives you Gold for $500+ in spending.
Eric
on 2008-06-12 Macy's also has a standard on annual spend as well: Macy Red star Rewards card 0-$499 annual spend
Macy's Gold star Rewards card $500-$999 ( I am a Gold card holder) annual spend
Macy's Platinum Star Rewards $1000-$2499 annual spend
Macy's Elite Star (Black card) $2500+ in annual spend.
JCP is NOT the only department card that gives you Gold for $500+ in spending.
Eric
Comment 7 by meya
Congrats on 2008-06-12
This is a good card to have. The only problem for me is that I have to find a way to stay out of their stores... Lol
on 2008-06-12 This is a good card to have. The only problem for me is that I have to find a way to stay out of their stores... Lol
Comment 8 by danny
Upgrade on 2008-07-26
I made it to the platnium level with this card for spending $1000 this year on it. I now have it at $0. Still at $1500 but I'm very happy with that limit anyway.
on 2008-07-26 I made it to the platnium level with this card for spending $1000 this year on it. I now have it at $0. Still at $1500 but I'm very happy with that limit anyway.
Comment 9 by danny
CLI on 2008-08-05
Went online today to review my account and noticed a CLI for another $200. I'm now at $1700. Didn't ask for the increase either. Went from $150 to $1700 in a years time and became a platnium card holder. Thank you Penny's!
on 2008-08-05 Went online today to review my account and noticed a CLI for another $200. I'm now at $1700. Didn't ask for the increase either. Went from $150 to $1700 in a years time and became a platnium card holder. Thank you Penny's!
Comment 10 by colonative
Penney's on 2008-10-15
I hear a lot of good things about this card. Like Macy's they send a lot of coupons.
Also, as Eric said, Macy's upgrades at the Gold level for annual spends over $500. The only cavat though is that you have to earn that Gold card every year. I believe Penney's is the same.
on 2008-10-15 I hear a lot of good things about this card. Like Macy's they send a lot of coupons.Also, as Eric said, Macy's upgrades at the Gold level for annual spends over $500. The only cavat though is that you have to earn that Gold card every year. I believe Penney's is the same.
Comment 11 by danny
Another CLI on 2008-12-06
Went online today and now I'm at $1900. Without asking.
on 2008-12-06 Went online today and now I'm at $1900. Without asking.
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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.
