Reply
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JCPenney GEMB or JCPenney/Monogram?


creditwherecreditisdue wrote:
If you do a google search on Monogram you won't smile.

lol I have the same inquiry on my reports when i originally applied.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: JCPenney GEMB or JCPenney/Monogram?

mjbfan,

 

oh, good - you have the JCPenney/Monogram inquiry on your reports?  But the card shows up as GEMB/JCPenney's?  And your card is a store card, not the MC?

Just puttin' syrup on something, don't make it pancakes.
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JCPenney GEMB or JCPenney/Monogram?


utah2009 wrote:

mjbfan,

 

oh, good - you have the JCPenney/Monogram inquiry on your reports?  But the card shows up as GEMB/JCPenney's?  And your card is a store card, not the MC?


Yeah my card is a store card got it last year back in November.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Frequent Contributor
ocheosa
Posts: 372
Registered: ‎06-15-2007
0

Re: JCPenney GEMB or JCPenney/Monogram?

If you don't mind me asking what is the APR on your card?
01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Valued Contributor
mjbfan79
Posts: 1,998
Registered: ‎03-31-2008
0

Re: JCPenney GEMB or JCPenney/Monogram?


ocheosa wrote:
If you don't mind me asking what is the APR on your card?

 

Not sure i think it's like 18 or 19% High like most store cards.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Frequent Contributor
ocheosa
Posts: 372
Registered: ‎06-15-2007
0

Re: JCPenney GEMB or JCPenney/Monogram?


mjbfan79 wrote:

ocheosa wrote:
If you don't mind me asking what is the APR on your card?

 

Not sure i think it's like 18 or 19% High like most store cards.

Then maybe GEMB/Monogram is a different tiered card. Your APR is lower than mine (21.9%).

01/04/10 TU 778 EQ 731
08/05/09 TU 762 EQ 722
02/12/09 TU 722 EQ 704 EX 690
EQ sensitive to inqs & student loan.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: JCPenney GEMB or JCPenney/Monogram?

It is the same card and the same company.
Moderator Emeritus
beamMEup
Posts: 4,473
Registered: ‎12-31-2008
0

Re: JCPenney GEMB or JCPenney/Monogram?

My brochure (haven't received card yet) states the APR is a whopping 22.85%.

 

Definitely a PIF builder card for me.  Yikes!  Of course, all my cards are PIF, so, yeah.

 

I did get some birthday shopping done with the sales and my discount, so we'll see where this one goes.  It is my highest limit (I'm just starting out - so don't go and make me feel bad!) at $1,200.

 

Does anyone have the JCPenney MC?  Or is it discontinued??

Just puttin' syrup on something, don't make it pancakes.
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: JCPenney GEMB or JCPenney/Monogram?

Congrats again! $1,200 is good. I don't think a lot of people see that much approved on an initial app!

 

The JCP MasterCard still exists. There is a live link for it here:

 

https://www.onlinecreditcenter6.com/consumergen2/login.do?subActionId=1000&clientId=jcpenney&account...

 

I don't have a clue as to how you go about getting one.


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+
}