"Declined"
JCPenney Credit Card® Review
Written by: meya on 2007-07-08
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
meya's review: 
Well why when I apply in the store with a FICO score of 620, 631, 639 I am always declined? They sent me a letter saying that I had past delinquents of 60 days. My goodness, that was over 5 1/2 years ago and since then I have payed on all my credit cards on time and never late. Sometimes I believe that your address makes a big difference. My address is very close to a red flagged area. If I ever find out, I will file a complaint.
Well why when I apply in the store with a FICO score of 620, 631, 639 I am always declined? They sent me a letter saying that I had past delinquents of 60 days. My goodness, that was over 5 1/2 years ago and since then I have payed on all my credit cards on time and never late. Sometimes I believe that your address makes a big difference. My address is very close to a red flagged area. If I ever find out, I will file a complaint.
2 Comments
Comment 1 by meya
Shocked! 
on 2007-07-10
I have to admit... I will eat my words from my first post. I went to Jcp today (7/9/07) and applied for instant credit, by my surprised, I was approved for a $500 credit limit. Even though I will not be actually using this card, it will help out with my credit scores. Thanks Jcp's, I take back what I said about you before but I still want to know what happened the last few times. :)
on 2007-07-10 I have to admit... I will eat my words from my first post. I went to Jcp today (7/9/07) and applied for instant credit, by my surprised, I was approved for a $500 credit limit. Even though I will not be actually using this card, it will help out with my credit scores. Thanks Jcp's, I take back what I said about you before but I still want to know what happened the last few times. :)
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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.
