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JCPenney GEMB or JCPenney/Monogram?

Valued Contributor

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
Message 11 of 19
Moderator Emeritus

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.
Message 12 of 19
Valued Contributor

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
Message 13 of 19
Frequent Contributor

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.
Message 14 of 19
Valued Contributor

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
Message 15 of 19
Frequent Contributor

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.
Message 16 of 19
Senior Contributor

Re: JCPenney GEMB or JCPenney/Monogram?

It is the same card and the same company.
Message 17 of 19
Moderator Emeritus

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.
Message 18 of 19
Senior Contributor

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.

Message 19 of 19