"First Store Card"
JCPenney Credit Card® Review
Written by: rob72830 on 2008-06-19
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
rob72830's review: 
Hi everyone, my name is Robert and new here. I have been reading everything here about rebuilding my credit and decided to join and give my 2 cents worth. Anyway I applied for this card on 6-6-2008 online after getting a preapproval in the mail and reading all the reviews. My CL was $150. I received the card on the on the 12th. I took it to the store to do a little shopping and to see if I could get a CLI. Well, they didn't approve a cli, told me it would be 4 to 6 months before I could get one. If I had known that, I would not have bothered. What can you get for $150 at Penney's? I bought a $21 shirt which I will pay off when I get my statement. If Penney's is going to be stingy with their credit, they sure won't be making much money off me. The $125 walmart card would have been better. At least I wouldn't have to drive 40 miles one way to go shopping. Hope this helps someone else. My FICO's are Ex 630 and TU 646. BTW I got approved for the BoA 99/500 card. Details soon to be coming.
Hi everyone, my name is Robert and new here. I have been reading everything here about rebuilding my credit and decided to join and give my 2 cents worth. Anyway I applied for this card on 6-6-2008 online after getting a preapproval in the mail and reading all the reviews. My CL was $150. I received the card on the on the 12th. I took it to the store to do a little shopping and to see if I could get a CLI. Well, they didn't approve a cli, told me it would be 4 to 6 months before I could get one. If I had known that, I would not have bothered. What can you get for $150 at Penney's? I bought a $21 shirt which I will pay off when I get my statement. If Penney's is going to be stingy with their credit, they sure won't be making much money off me. The $125 walmart card would have been better. At least I wouldn't have to drive 40 miles one way to go shopping. Hope this helps someone else. My FICO's are Ex 630 and TU 646. BTW I got approved for the BoA 99/500 card. Details soon to be coming.
7 Comments
Comment 1 by wildrage2
Based On Other Reviews 
on 2008-06-20
Based on other reviews I have read about JC Penny's on this site, they start rather small, then skyrocket your limit after 3-6 months. If you look, there are reviews on this board of members starting with $200 limits, and in 3-6 months get an auto CLI for $1500. I would stick with it and see..
on 2008-06-20 Based on other reviews I have read about JC Penny's on this site, they start rather small, then skyrocket your limit after 3-6 months. If you look, there are reviews on this board of members starting with $200 limits, and in 3-6 months get an auto CLI for $1500. I would stick with it and see..
Comment 2 by rivasglo
RE: Rob on 2008-06-20
I just read ur review for the Walmart card...
JCP and Walmart are issued by the same bank...
I too have read on here that the CLI will skyrocket... I was approved for $300 online... So I'm just waiting on my 4 month mark to see what I get.
Good luck to u!
on 2008-06-20 I just read ur review for the Walmart card...JCP and Walmart are issued by the same bank...
I too have read on here that the CLI will skyrocket... I was approved for $300 online... So I'm just waiting on my 4 month mark to see what I get.
Good luck to u!
Comment 3 by meya
Just Hold On on 2008-06-20
I know that Jcpennys is going to show you some love soon. I can not say the same thing for Walmart, they only gave me $75 one time and $100 on another time.
on 2008-06-20 I know that Jcpennys is going to show you some love soon. I can not say the same thing for Walmart, they only gave me $75 one time and $100 on another time.
Comment 4 by rockin35
Wait A Minute......... on 2008-06-20
Just wait a while, I 've heard about jcpenny's zooming credit lines after 5 months. It will be worth your wait.
Congratulations on all your card approvals. Rockin35!
on 2008-06-20 Just wait a while, I 've heard about jcpenny's zooming credit lines after 5 months. It will be worth your wait.Congratulations on all your card approvals. Rockin35!
Comment 5 by rob72830
I Will Keep It on 2008-06-20
Thanks for the encouragement. I will keep it and use it and pay it off every month and see what happens.
on 2008-06-20 Thanks for the encouragement. I will keep it and use it and pay it off every month and see what happens.
Comment 7 by meya
Approval For Sister on 2008-10-10
She did this on her own but, went into the store and got a $400 cl from them today. Scores at the time were 585-600 and have 4 baddies remaining on credit report. I told her to not worry about the limit that she got because I know for sure they are going to show her some love in the future. OOOOk, I think she needs to stop now... Lol
on 2008-10-10 She did this on her own but, went into the store and got a $400 cl from them today. Scores at the time were 585-600 and have 4 baddies remaining on credit report. I told her to not worry about the limit that she got because I know for sure they are going to show her some love in the future. OOOOk, I think she needs to stop now... Lol
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.
