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JCPENNEY CARD???

Established Member

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

Message 1 of 17
16 REPLIES
Regular Contributor

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


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Message 2 of 17
Established Member

Re: JCPENNEY CARD???

Thanks! 
Message 3 of 17
Established Contributor

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.
Message 4 of 17
Frequent Contributor

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!
Message 5 of 17
Regular Contributor

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


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Message 6 of 17
Established Member

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
Message 7 of 17
Moderator Emeritus

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.
Message 8 of 17
Frequent Contributor

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)
Message 9 of 17
Senior Contributor

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

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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
Message 10 of 17