Joker wrote: I agree with you, it does take time. I have a new problem now. I don't have any credit since I have been paying cash for all my things. Now it's been ten years and I have no credit history at all. I just opened a small account that reports to the credit bureaus so that I can re-establish AGAIN.

Very interesting situation. I hope you are able to develop a score quickly just in case you do ever need credit.

You have an interesting situation. We read about credit rebuilds but not many where cash has been king. Looks as though you took off on the right path. In my readings, it appears the credit bureaus look for six months to develop a score. Best wishes as you develop a credit profile. As an aside, nothing wrong with cash is king! Seems the world forces us to have a credit profile whether we like it or not.

I agree with you, it does take time. I have a new problem now. I don't have any credit since I have been paying cash for all my things. Now it's been ten years and I have no credit history at all. I just opened a small account that reports to the credit bureaus so that I can re-establish AGAIN.

When will I get my JC Penny's card its been 3weeks haven't heard anything

Do you get any info on your Issue I am asking this because I am facing the same prob although it is just 2weeks and 3 days I don?t want to wait long.

When will I get my JC Penny's card its been 3weeks haven't heard anything

Call the JCPenney Credit Account Telephone Number and find out what is going on!

yup, they do have a relationship.

When will I get my JC Penny's card its been 3weeks haven't heard anything:dumbfounded:

Thanks for verifying Joeyman!

Just FYI, anyone looking at obtaining or gaining an increase for JC Penney. They only subscribe to Trans Union for evaluating their credit lines and do not look at your Experian or Equifax reports when making a credit decision.

CL's come and go but a long, positive payment history will always be there on your reports. I would be focused on making on-time payments and keeping your balances low rather than higher CL's.

Not all creditors see a borrower with high limits in a good way. They look at high CL's as an opportunity for someone to max them out and bury themselves in debt if they were to lose their job or struggle financially.

Building or rebuilding credit is a slow process requiring lots of patience. Some posters on this site (myself included) have experimented with different methods to maximize our scores and rush the bad luck out the door. In the end it takes time and staying on top of what is being reported. In my case it took two years to build enough to get close to prime cards and ten years to get pre-qualified offers of the lowest apr's (needed the combination of good 'average age of account' coupled with 'length of credit history'). Not to be forgotten is NOT to many inquiries. Doesn't seem to matter how good your credit report is, too many inquiries and credit accounts leads to DENIALS.

:thumbsup:wow I love this site! very helpfull I get all happy to see other geting CLIs and is not even me! lol am new here I really hope I can become as smart as most of the guys here!! am working on my cleaning my credit now:scared:!! wish me luck yall!!!

"The JC Penney credit card can be used at all JC Penney locations, including its outlet stores, as well as for catalog purchases, and for online purchases on their website. Customers also can use the JC Penney card at any CVS Pharmacy or Rite Aid Pharmacy. People can apply for the card their website or at any JC Penney store."

Thanks for verifying Joeyman!

It is CVS...

"The JC Penney credit card can be used at all JC Penney locations, including its outlet stores, as well as for catalog purchases, and for online purchases on their website. Customers also can use the JC Penney card at any CVS Pharmacy or Rite Aid Pharmacy. People can apply for the card their website or at any JC Penney store."

Wow, I didnt know that we could use our card there. You learn something new everyday.

yup, they do have a relationship.

Hehe. Nice! There's actually a Rite Aid close to me.

You use your JC Penny store card at Rite Aid? I didn't know they had a relationship. O_o

yup, they do have a relationship. i use it for small purchases, like rite aid ice creams. =)