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JCPenney CardŽQuick Summary:
This is a Store rewards card, issued by GE Money. Store reward cards normally offer rebates on specific brand merchandise or purchases. 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 26.99%*.Important Rates:
The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.
There is no annual fee for this card.* 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 credit score of 527 is recommended for a higher chance of approval, but this 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 CardŽ is at least 23 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date. 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 70 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. 83% of those applicants were approved.
The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 527, then your chance of approval may be even greater. 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:
- Save 20% when you open an account today
- Earn up to $30 in JCP Rewards* each month with Platinum status* and qualifying purchases
- 25% more points when you shop with your JCP Rewards credit card
* Please see the credit card application for details about terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit
card information is presented without warranty.
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Consumer Card Rate Comparison
| APR | 26.99%* | | Avg. APR | 15.69%** | | Annual Fee | $0* | | Avg. Annual Fee | $43.39** | |
** 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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