Reply
Regular Contributor
GomerPyle
Posts: 114
Registered: ‎03-17-2009

JC Penney Credit Card

Does anyone know what the highest possible credit line for a JC Penney Card would be?

Frequent Contributor
CreditMuppet
Posts: 307
Registered: ‎08-05-2011

Re: JC Penney Credit Card

I think it depends on which "plan" you get approved on to be honest.  If you get a starting CL of $1500 I think you would have a good chance of getting a higher limit.  I have seen however than many seem to be capped at $3000 or $4000.


Starting Score: 770
Current Score: 765 (EX) 763 (EQ) 756 (TU)

Auto Enhanced: 788 (EX)
Goal Score: 800
Take the FICO Fitness Challenge
Mega Contributor
Creditaddict
Posts: 16,878
Registered: ‎10-23-2007

Re: JC Penney Credit Card

I had $6700 I believe about 5 years ago... Started at 1k and they did auto CLI over a few years as I spent money... I bought several different furniture pieces over the years which had financing etc. never really shopped in store for clothes or anything, JCPenney not my style.

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Regular Contributor
Prettylady1
Posts: 133
Registered: ‎06-20-2011

Re: JC Penney Credit Card

Mine started at $400 about 5 years ago and is now at $2300!

Starting Score: TU 640, EQ 636, EX 645
Current Score: TU 665, EQ 706, EX ?
Goal Score: All above 700


Take the FICO Fitness Challenge
Established Member
Makin_the_Climb
Posts: 16
Registered: ‎02-13-2009

Re: JC Penney Credit Card

I know it can be pretty high for a card like that. My mom has some outrageous limit of like 10,000 or 12,000 maybe even higher then that. She has had the card for like 20+ years and has also worked for them off and on for all those years.


Starting Score: TU 754 EQ 705 EX 680 (AmEx pull)
Current Score: TU 754 EQ 711 as of Jan 28, 2013 EX 680
Goal Score: 800 across the board with utilization down from 28%


Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+