"Unusual Experience!"

JCPenney Credit Card® Review
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Written by: bramford on 2008-01-22

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bramford's review: Callout Comment Initially, I got this card in 2004 with a 150 limit. I went 30 days late, and my home phone and cell phone went off the hook! Someone from india calling me hour upon the hour, I am talking 24 hours a day! Calling at 12 midnight, 2 in the morning etc... I went to the store and payed the card off, closed the account immediately. By the way, during the 1-1/2 year period that I had the card they never offered to give me an credit increase.

My second experience with this card was completely different. I applied and was approved for 500 in 7-1-2007. Four months later they increased my credit line to 1500. Two months later they increased it to 1800. In December 2007, I called their credit card department, and asked them if they would please remove the 30-60 late that was on credit report from the previous account I had with them, and they agreed. Two weeks later when I pulled my credit report I saw that they had removed the 30-60 late from all three credit reporting agencies. My score went up 20 points! In January 2008, I called and said that I do not like the 1800 credit limit because it was not a smooth number LOL, and asked them to increase it to 2000, and they did.

During the holidays I spent over 1000, and now have their Platinum Privilege card.

My experience with JC Penney has been very unusual, insane, and Surprising !! To say the least.

Some contents of this review was edited by Finance Globe

4 Comments

Comment 1 by meya
Wow User Icon on 2008-01-22

Remarks I would not call it strange, I woud say, U-go-with- ya-bad-self! This is a good thing, and thanks for the heads up on the increases because they gave me $500-$1500 in four months also.
Comment 2 by eric
Wow User Icon on 2008-01-23

Remarks Sounds like a great deal on the second go around.
Comment 3 by lyyssa01
Ahh... User Icon on 2008-03-26

Remarks Brammy, I've been reading your reviews, and I love them. I need you to come to my house and talk to the customer service reps and get my cli!! You make it sound as easy as breathing.
Comment 4 by hjm331
RE: Lyssa User Icon on 2008-03-26

Remarks Come to your house? Lol
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