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rblfmr / Shutterstock.com Founded in 1902 and now positioned as one of the nation’s largest retailers, JCPenney delivers everyday value on products like apparel, accessories, shoes, jewelry, furniture, housewares and mattresses. To make paying for purchases easier, the retailer offers the JCPenney credit card or JCPenney Mastercard issued by Synchrony Bank. Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card When you sign up for a JCPenney credit card, you’ll be able to cash in on plenty of perks, such as 5% to 15% discounts on select items, special financing days and rewards points. However, once you’ve used your card, you’ll need to make your payments on time to keep your account in good standing. Here are your options. How To Make a JCPenney Credit Card Payment by MailEach month, you’ll get a credit card statement in the mail unless you opt for electronic billing. When your credit card statement arrives, you can use the address listed on the bill to mail it. However, if you’ve misplaced your statement, or you’d like to make an additional payment, you can check your account information as follows:
SYNCB How To Make a JCPenney Credit Card Payment in the StoreMaking an in-store payment at JCPenney is easy. Here’s how:
How To Make a JCPenney Credit Card Payment OnlineThe JCPenney Online Credit Center lets you make a payment online in three easy steps if you have already registered for an online account. If you don’t have an account, begin the process by creating one as follows:
Once you’ve registered for an online account, here’s how to make a payment:
Note that payments may take up to three days to post to your account — although the payment will be applied as scheduled. Check Out Our Free Newsletters!Every day, get fresh ideas on how to save and make money and achieve your financial goals. What To Do If Your JCPenney Credit Card Payment Is LateIf your JCPenney credit card payment is late, you should make your payment as soon as possible through one of the available payment methods. You have 23 days after the close of your JCPenney billing cycle to make a payment without interest or late fees. If you miss your payment due date, you’ll pay a late fee of $27 if you haven’t been late in the previous six billing cycles — or $38 if you’ve been late at least once within that period. In either case, the fee won’t be more than your minimum payment. This article has been updated with additional reporting since its original publication. Barb Nefer has been writing professionally for nearly 30 years, cutting her teeth as a news writer for the Daily Southtown in Chicago. She's a doctor of psychology, and her eclectic expertise includes personal finance, psychology, travel and the pet industry. Her work reflects that diversity, with pieces appearing in places like About.com, CBS Local, Yahoo.com, WebPsychology, and Animal Wellness magazine. Learn More How do I make a payment to JCPenney?You may pay your bill by mail, at any JCPenney department store or online through the JCPenney Online Credit Center. Click here to find out more about online payment service. To pay in store: Present a check, money order or cash at any JCPenney department store.
Can I pay my JCPenney bill with a gift card?You cannot pay your JCPenney credit card with a gift card. Making an in-store payment is an option, which might be convenient for you if you live nearby a JCPenney location or you plan to do some shopping. You can also make a payment online by using your JCPenney login.
What bank does JCPenney use for credit card?The JCPenney Credit Card is issued by Synchrony Bank.
How long do you have to pay off a JCPenney credit card?The JCPenney Credit Card offers a 23-day grace period, which means you have up to 23 days after your billing period ends to pay what you owe before a late fee is assessed and interest begins to accrue.
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