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JC Penny Credit Card

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Anonymous
Not applicable

JC Penny Credit Card

I applied for my 1st credit card through JC Penny I was declined online and called the back door credit phone # Sacrony Bank and was made aware that there is a black out period after a BK is filed of 24 months (Discharged in May 2014) and you will be automatically denied if you are in the 24 month window post bankruptcy. I hope this is a help to someone. I did alot of research to find who was willing to grant credit post BK and JC Penny is not a BK friendly creditor for at least 24 months.  Hope this finds someone well Smiley Indifferent

Message 1 of 8
7 REPLIES 7
CreditMagic7
Mega Contributor

Re: JC Penny Credit Card


@Anonymous wrote:

I applied for my 1st credit card through JC Penny I was declined online and called the back door credit phone # Sacrony Bank and was made aware that there is a black out period after a BK is filed of 24 months (Discharged in May 2014) and you will be automatically denied if you are in the 24 month window post bankruptcy. I hope this is a help to someone. I did alot of research to find who was willing to grant credit post BK and JC Penny is not a BK friendly creditor for at least 24 months.  Hope this finds someone well Smiley Indifferent


Thanks for sharing that useful Data Point.

 

I'm sure some members might find that blackout info useful to them.

Message 2 of 8
Anonymous
Not applicable

Re: JC Penny Credit Card

Appreciate the insight.
Message 3 of 8
SunriseEarth
Moderator Emeritus

Re: JC Penny Credit Card


@Anonymous wrote:

I applied for my 1st credit card through JC Penny I was declined online and called the back door credit phone # Sacrony Bank and was made aware that there is a black out period after a BK is filed of 24 months (Discharged in May 2014) and you will be automatically denied if you are in the 24 month window post bankruptcy. I hope this is a help to someone. I did alot of research to find who was willing to grant credit post BK and JC Penny is not a BK friendly creditor for at least 24 months.  Hope this finds someone well Smiley Indifferent


Sorry about your denial.   Some members have been able to get back in with SyncB in less than 2 years post BK, but some don't.   However, even if they were IIB, they are willing to offer you new credit if your profile supports it.  



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Message 4 of 8
Anonymous
Not applicable

Re: JC Penny Credit Card

Absolutely I believe the same may apply to GE money bank. I thought that GE was the issuer of the JCP CC.

 

Message 5 of 8
Anonymous
Not applicable

Re: JC Penny Credit Card

GE Capital Retail Bank is now Synchrony


@Anonymous wrote:

Absolutely I believe the same may apply to GE money bank. I thought that GE was the issuer of the JCP CC.

 




Message 6 of 8
SunriseEarth
Moderator Emeritus

Re: JC Penny Credit Card


@Anonymous wrote:

GE Capital Retail Bank is now Synchrony


@Anonymous wrote:

Absolutely I believe the same may apply to GE money bank. I thought that GE was the issuer of the JCP CC.

 





+1.  Synchrony Bank is the new name of GEMB/GECRB



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 7 of 8
b_diddy
Established Contributor

Re: JC Penny Credit Card


@Anonymous wrote:

I applied for my 1st credit card through JC Penny I was declined online and called the back door credit phone # Sacrony Bank and was made aware that there is a black out period after a BK is filed of 24 months (Discharged in May 2014) and you will be automatically denied if you are in the 24 month window post bankruptcy. I hope this is a help to someone. I did alot of research to find who was willing to grant credit post BK and JC Penny is not a BK friendly creditor for at least 24 months.  Hope this finds someone well Smiley Indifferent


Bummer on the decline ... I have seen quite a few conversations here with folks with rebuilder cards a short time past BK.  Your experience and info re: JCP will definitely help someone for sure.

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)
     
      
Message 8 of 8
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