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JCPenney Card®Quick Summary:
This is a Store rewards card that normally offers rebates on specific brand merchandise or purchases. This offer is issued by GE Money. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. APR's may vary among applicants, however the lowest standard APR is 22.85%.APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 22.85% will apply immediately. The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates. Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases. Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO score of at least 573 is recommended for a higher chance of approval for the JCPenney Card®, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. Other Basics:
The grace period listed for the JCPenney Card® is at least 25 days. So interest charges will not be applied during those days. This card is intended for consumers, or "personal use". This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog. Approval Rate:
There were 19 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 84% of those applicants were approved. There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Poor Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 573, then your chance of approval may be greater than other applicants. Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved. Offer Details:
- Exclusive savings throughout the year
- Access to account information through the Online Credit Center
- Fraud protection, and
- A host of other benefits.
Other Remarks:
To apply, visit your local JCPenney retail store and request a printed application.
*Please view and verify the card offer's terms and
conditions regarding interest rate, fees, grace periods, approval time and other
information before applying.
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Consumer Card Rate Comparison
| APR | 22.85% | | Avg. APR** | 11.8% | | Annual Fee | $0 | | Avg. Annual Fee** | $9.65 | |
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
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