"Declined"
JCPenney Credit Card® Review
Written by: judy perkins on 2012-02-08
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
judy perkins's review: 
Either the minimum credit score on this is wrong, or grossly outdated, Customer service was helpful in telling me my application got declined and friendly after they found out it was declined.
Either the minimum credit score on this is wrong, or grossly outdated, Customer service was helpful in telling me my application got declined and friendly after they found out it was declined.
3 Comments
Comment 1 by alxny
Re: Declined 
on 2012-02-09
Best thing that ever Happen to you .
They have always decline me So I recomend
Best Buy or Other store cards
This is a card I don't want due to low credit line.
on 2012-02-09 Best thing that ever Happen to you .They have always decline me So I recomend
Best Buy or Other store cards
This is a card I don't want due to low credit line.
Comment 2 by roughdraft
Re: Declined on 2012-02-09
I applied for this card twice before I was approved. Creditors look at credit scores, but don't base their decisions solely on that. In my case I had closed some accounts, and still owed money so I had a high dept ratio, and some derogatory marks even though my credit score was hovering around 600. I applied again in June and was approved for $150. CL is low, I don't carry a balance on this card as it doesn't do much for my dept ratio, but they have good rewards and GEmoney grows with you. There are a lot of comments on here about persons who, after applying for a GEMoney card, later have sucess appying for other GEMoney bank cards. It might be easier getting in through one of those. Then in 6 months to a year try again, but once you're in, you build a relationship with them.
on 2012-02-09 I applied for this card twice before I was approved. Creditors look at credit scores, but don't base their decisions solely on that. In my case I had closed some accounts, and still owed money so I had a high dept ratio, and some derogatory marks even though my credit score was hovering around 600. I applied again in June and was approved for $150. CL is low, I don't carry a balance on this card as it doesn't do much for my dept ratio, but they have good rewards and GEmoney grows with you. There are a lot of comments on here about persons who, after applying for a GEMoney card, later have sucess appying for other GEMoney bank cards. It might be easier getting in through one of those. Then in 6 months to a year try again, but once you're in, you build a relationship with them.
Comment 3 by wanderer
Re: Declined on 2012-02-14
Generally GE Money Bank with JCPenney is a good card. They take care of their customers and help you rebuild over time. Usually this opens doors to other GE Moneyy Bank Cards too. Wait a while and try again.
on 2012-02-14 Generally GE Money Bank with JCPenney is a good card. They take care of their customers and help you rebuild over time. Usually this opens doors to other GE Moneyy Bank Cards too. Wait a while and try again.
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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.
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.
