Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 31
Registered: ‎06-15-2009
0

JCPENNEY CARD???

How is this card and is it difficult to get?  Any info on scores you need?

 

Any info is appreciated, TIA

Smiley Happy

Regular Contributor
Posts: 120
Registered: ‎10-26-2007
0

Re: JCPENNEY CARD???

I think my score was around 620 when i got this card over a year ago. Dont apply on line, go into the store. I applied 3x on line and got declined each time. They've  done a hard on me twice for cli so now i dont request them any more. Hope this helpsSmiley Happy

Starting Score: 540
Current Score: 660
Goal Score: 700


Take the FICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎06-15-2009
0

Re: JCPENNEY CARD???

Thanks! 
Established Contributor
Posts: 851
Registered: ‎07-01-2008
0

Re: JCPENNEY CARD???

I apped in store.Approved for $600.Only pulled EQ with score of 700ish at the 4 month mark recieved another $400.
Frequent Contributor
Posts: 312
Registered: ‎08-23-2008
0

Re: JCPENNEY CARD???

I was declined since I was just approved for a Belk card a month prior.  My scores were low 600s then.

They did approve DH with $500 limit in 10/08.  Cli to $1k 3 months later.  His score was around 620 or so.

 

Where I was 8/22/08 TU 581 EQ 554 EX 615
Where I am 7/30/09 EX 737 (FAKO) EQ 689 TU 745
Can't wait to see what my scores will be when all my accounts hit the 1 year mark!
Regular Contributor
Posts: 128
Registered: ‎12-21-2008
0

Re: JCPENNEY CARD???

I got this card a few months ago with a 2 year old dismissed BK & scores hovering around 590.  I applied online.

Starting Score: 527
Current Score: 679
Goal Score: 800


Take the myFICO Fitness Challenge
Established Member
Posts: 31
Registered: ‎06-15-2009
0

Re: JCPENNEY CARD???

any info re: util w/ other cards affecting the JCP card.  Do not want a hard inquiry if i don' have a good chance of being approved.....tia, Smiley Happy
Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
0

Re: JCPENNEY CARD???

lessons learned:

 

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

 

I'd like to figure this one out.  DH just approved for Care Credit and would like to talk to JCPenney about reinstating an account he closed in 01.

Just puttin' syrup on something, don't make it pancakes.
Frequent Contributor
Posts: 289
Registered: ‎12-01-2008
0

Re: JCPENNEY CARD???

I opened 2 GE accounts in the same day twice. The first two were Bass Pro and Old Navy, July of last year. The next two were Chevron and WalMart in December of last year. Approved for all four. I now have 4 GE money accounts and the CLI are every 4 months with no hard pull. Except Bass Pro, they won't give me any luv.
A smooth sea never made a skilled mariner.
7/6/2009 Equ 664 TU 680 (15 and 19 point jump respectively this week, over 100 point increase in 6 months)
Senior Contributor
Posts: 4,214
Registered: ‎09-12-2008
0

Re: JCPENNEY CARD???


utah2009 wrote:

lessons learned:

 

Does GEMB have a limit on number of cards in a certain time frame?  Another poster was approved for Care Credit and Rooms to Go (Both GEMB) in the same week.  Maybe the first didn't show up when the second pulled the CR?

 

I'd like to figure this one out.  DH just approved for Care Credit and would like to talk to JCPenney about reinstating an account he closed in 01.


 

That was me who did Care Credit and Rooms to Go.  Actually, I app'ed Rooms to Go first.  That account and inquiry were both on my CR by the time I app'ed Care Credit about a month later.

 

Both were instant approvals.  Rooms to Go gave me $6,500 CL when I put $7,500 in as my purchase amount (I only used $4500 on the interest free till 2013 promo). 

 

Care Credit gave me the full $12,500 I put in as purchase amount.  I won't use $12.5k, but I don't want what I do end up using to be too high in utilization on that account.

 

Maybe I should test GEMB to see if they still love me....three times a charm?  LOL  Smiley Wink

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.