JC Penny Credit Card

There are so many credit card offers out there that it can be hard to choose the right one; but, if you're looking for a great department store credit card, look no further than the JC Penney credit card. It's loaded with great features and rewards; and, it offers a great interest rate! So, what else is so wonderful about the JC Penney credit card? Read on to find out why this is the one credit card you need to have in your wallet.

First, applying for the JC Penney credit card couldn't be easier. With a few clicks of the mouse, you can be logged on to the JC Penney web site, where you can quickly and easily apply for the card. Fill out a quick form and you'll have a credit decision from GE Money Bank, the issuer of the JC Penney credit card, in less than a minute.

All it takes is some basic information, like name, address, social security number and driver's license number. Once you've been approved, you can immediately shop the JC Penney web site and get a discount to boot! For those who don't want to or aren't comfortable with applying online, you can fill out an application and mail it in; or, apply at any register in a JC Penney store. Applying in store will also give you an instant credit decision; and, you can start shopping right away. If you've applied online and want to use your account in store before the card arrives in the mail, you can do that too. Just take your driver's license to the register and the cashier can issue you a temporary pass.

Owning a JC Penney credit card is hassle free too. The JC Penney online credit center will allow you to check your account summary, see recent activity, and view a 3-month account history. So you'll always be on top of your spending and payments. You can even pay your bill online using CheckFree or in store. There are no annual fees, so you won't have any surprises on your bill either. The JC Penney credit card also offers fraud protection so you won't be liable if someone gets hold of your account information. That feature alone makes this card well worth having.

Another cool feature of the JC Penney credit card is that you'll get an extra percentage off regular and sale prices just for using it. So, while everyone else thinks that getting ten percent off that trendy new sweater is a great deal, you'll be getting it for even less as a JC Penney credit card holder. There are even special savings events for card members. How can you beat a credit card that actually saves you money?

One of the most overlooked features of the JC Penney credit card is that it isn't just accepted at JC Penney stores. You can use it at the JC Penney web site, with the catalog, and at CVS and Rite Aid pharmacies. That's right; you can use your JC Penney credit card at your local pharmacy! How convenient is that? No cash on hand to pay for your prescription? Not a problem – just whip out your JC Penney credit card and you're good to go.

It's easy to see why the JC Penney credit card is one of the best department store credit cards out there. With great benefits like card member only savings, a convenient online credit center, and the ability to use the card at other stores, the JC Penney credit card is a perfect all-in-one solution for anyone.