No, the JCPenney credit cards do not have an annual fee. So, if you dont stick strictly to JCPenney for shopping and/or you want some flexibility with the rewards you earn, this isnt the right card for you. We have eliminated the account numbers in your comment for security purposes. Basic JCPenney Rewards members who do not hold a JCPenney credit card receive 1 point for every $2 spent, so cardholders are essentially earning double rewards at the 1:1 ratio. It used to be a place I spent most of my money but they have really messed up the program. Documents, like a marriage certificate, divorce decree or court order, that show your previous name and your new name. But you typically dont need to get married or divorced to change your name. Once known as The Golden Rule, JCPenney named after its founder, James Cash Penney has grown its retail footprint over the past 115 years to feature 875 stores across the United States and Puerto Rico. I liked my JCP credit card but the new mastercard is horrible. Well show you the strategies and tools to unlock huge savings, but that window is closing fast - so you Sign up for our daily newsletter for the latest financial news and trending topics. You can change your name on your Social Security card by mail or by visiting a Social Security office near you. I recommend you call the phone number on the back of your credit card and speak to a customer service member. I will call again but feel that they will not fix the problem. shipping, delivery or installation charges, and restocking or recycling fees). Its pretty tough to tell if there are any. Also, when you receive your rewards certificates, they can only be utilized at JCPenney. If a member does not have either option available, they can give their linked phone number or email address at checkout. We may be compensated when you click on links from one or more of our advertising partners. Many credit card companies provide this information on their websites. App Store is a service mark of Apple Inc. Information related to the JCPenney Mastercard is very difficult to find online.

If you shop there a lot and take advantage of their sales (beware of price inflation! Every single credit card on the market comes with pros and cons. Was pure cast rewards after the discounts few years back. Additionally, this card comes with a ridiculously high 27.99% APR so if youre in danger of defaulting on your card payments, this could get you into trouble quickly. These SALE prices are likely what youll find as baseline prices for the same item elsewhere. Neither JCPenney nor Synchrony bank currently list the requirements for achieving this upgrade. The rep also responded that there is currently no PDF or online file that relates this information; cardholders are simply mailed the information once they are upgraded to the Mastercard. All Right Reserved. California loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-78868. Provide proof of your legal name change. Your credit card company may also have some paperwork for you to fill out.

Heres how you might do that for your drivers license. 2. At 27.99%, carrying a balance on this card can get you into trouble FAST. I have been a long time shopper of jcpenneys. As we mentioned above, JCPenney credit card holders technically earn rewards twice as fast as regular rewards members. (Well have more about alternative cards in the next section.). They assured me that they would fix the problem but have not done so. Can you please tell me how to get this done? Receive $10 certificate per 200 points earned, Alternative Rewards Credit Cards (Our Recommendations), Online (Or App-Based) Login & Account Management. That's why we provide features like your Approval Odds and savings estimates.

So if youre looking for a card that can earn you flexible rewards, this isnt it. Thats absolutely correct. Only mortgage activity by Credit Karma Mortgage, LLC., dba Credit Karma is licensed by the State of New York. No responsibility will be taken by the bank advertiser for these comments. In this review, well cover everything from benefits, fees, and drawbacks, to the application process, online account management, and more. Once a rewards member reaches 200 points, a $10 rewards certificate is issued. Called the company to see if I could switch back to just a JCP card. Credit Karma Mortgage, Inc. NMLS ID# 1588622|, Credit Karma Offers, Inc. NMLS ID# 1628077|. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. The basic JCPenney credit card can be used at the following retailers: The JCPenney Mastercard can be used at the above stores as well as anywhere Mastercard is accepted. Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesnt affect. We are Upgraded Points, a blog specializing in credit card, points, and miles resources. Currently, the JCPenney credit card can be used for purchases at JCPenney, JCPenney.com, Sephora stores inside JCPenney stores, Sephora.com, Rite Aid, and Riteaid.com. Depending on the process the card issuer has established, you may be able to handle the name change online, over the phone or by mail. If you changed your name for a different reason, youll probably need to provide a court order approving the name change. They usually take about 24 hours to appear. You cant submit your request online. When researching for this review, there was such a lack of information about this card that we werent even completely sure the Mastercard upgrade was still available. Email needed if you'd like comment updates. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Provide a current and valid government-issued ID, like a drivers license or passport. In some states, you must submit your request for a new license in person. At this point, applicants are usually notified of approval/denial within 7-10 days. All Rights Reserved. Certain purchases (major appliances, furniture, mattresses, fine jewelry, etc.) All Rights Reserved. Before you can change your name on your credit cards, there are a couple of things you typically need to do. Please call Member Support at 833-675-0553 or email legal@creditkarma.com or mail at Credit Karma, LLC, P.O. Click here to see a list of advertisers that we work with. The information included above is what was reported via a customer service representative through Synchrony Banks Credit Card chat services at the time of researching this piece. However, when calling JCPenney Credit Services customer service on August 14, 2018, they verbally confirmed that the company/Synchrony Bank does still provide upgrades to the JCPenney Mastercard if a cardholder meets specific criteria/qualificationswhich they were not allowed to disclose. In terms of fees and drawbacks, the JCPenney credit cards have some big ones. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Once youve registered your information, making an online payment to apply to your JCPenney credit card accountis simple. But there are some serious drawbacks to consider.

Both the JCPenney credit card and the JCPenney Mastercard are issued by Synchrony Bank. Image: the_buck_starts_here_editorial_banner. Wed be grateful for the clarification! My account #ending in XXXX does work. Currently, the online application offer allows approved cardholders to save15% on select apparel, shoes, accessories, fine jewelry, salon products, furniture and mattresses, and home purchases. Is there a number that I can call so I can know if I qualify for the MasterCard? Follow these steps: Click the Find User ID or Reset Password button if you forget your JCPenney user ID or password. Shoppers can only use JCPenney rewards certificates on eligible JCPenney purchases. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Hi Shirley. She caught the travel bug just after high school when her grandmother took her on a two-week, whirlwind trip around Europe. But some issuers require you to go to a branch office. JCPenney has 2 store-branded cardsissued by Synchrony Bank: a basic credit card and a Mastercard. I need help accessing bill on line. Popular reasons for name changes include marriage and divorce. Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. With all of the products and services offered, it makes sense that JCPenney has its own line of credit cards. We do not have any affiliation with JCPenny or the credit card, so unfortunately I cannot say how this might have happened. Hot Tip: Do not confuse non-expiring points with rewards certificates your rewards certificate will have a clearly printed expiration date. Current terms state that applicants who do not receive a credit decision right when they apply (but are later approved) will receive a $10 coupon in their credit card package. Editorial Disclosure:The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. If its your first time logging in to manage your account online, youll need to register and link your credit card. What a mess! Auto, homeowners, and renters insurance services offered through Karma Insurance Services, LLC (CA resident license #0172748). This is especially true if you utilize bonus shopping days make sure youre spending on the right products (watch out for inflated prices to make sales seem more lucrative!). Click here to see a list of advertisers that we work with. But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. Follow these steps: Download the JCPenney app if you prefer using your tablet or phone to manage your JCPenney credit card account. While youre reviewing your reports, its a good idea to check whats in them and see where you stand. The reason I stopped using there card for purchases outside JCP. Select the date on which you want the payment to be drafted from your bank account. Once your request is processed, the credit card company should send you a new card with your new name. If you cant pay the balance in full, you should pay as much as you possibly can on time and pay off the rest as soon as possible. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Or is a minimum that you have to spend on the card? Its not particularly difficult to change your name on your credit cards. And dont forget to update your name with other organizations, including banks, insurance companies, other financial institutions, utility companies and any other companies you have a relationship with. Typically, youll be required to provide the following information: Your state transportation agency or DMV might confirm your name change with the Social Security Administration, so its important that you change your name with the Social Security Administration before you change it on your license. The Equifax logo is a registered trademark owned by Equifax in the United States and other countries. This site does not include all credit card companies or all available credit card offers that are on the market. For more information on our advertisers, see here. I have 2 purchases that were charged to my JCPenney Mastercard that I havent received. Plus, with a true cash-back card, you can use your earnings any way you want! Previously, JCPenney gave cardholders an avenue to achieve gold/platinum card status (with additional benefits) by hitting certain spending levels. Customers enjoy shopping at JCPenney for clothing and accessories and visiting JCP salons and Sephora for beauty-related needs. Schedule your JCPenney payment at least one day before the due date to be sure its not late. Youll need your account number and billing ZIP code to locate your user ID.

), you could earn 1 point per dollar. Especially since 1:1 is not the best earnings ratio, when you consider many other rewards based credit cards offer bonus points in everyday spending categories like gas, dining, travel, etc. By Mail: If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned. However, if you dont pay off your balance in full within the promotional period,interest charges will be imposed on the starting balance at the APR for regular purchases retroactively from the date of purchase.

We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. Wait to receive your new credit card. This site may be compensated through third party advertisers. Depending on which state you live in, if youre an adult, you may be able to petition a court to change your name for just about any reason. JCPenney provides cardholders with 2 different platforms for managing their account: online and via their mobile app.

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