topic Re: JC Penney credit card in Credit Card Approvals

JC Penney credit card

Anonymous — Thu, 15 Mar 2018 18:28:59 GMT

I applied for a JCPenney's credit card and got approved for $100 permanent credit limit does that mean my credit limit won't go higher than that ...does anyone know ...please help

Re: JC Penney credit card

Anonymous — Thu, 15 Mar 2018 19:46:37 GMT

It won’t stay at $100. A lot of us here started with $100-$500 limits and got huge credit limit increases after a few months. My PayPal MC started at $300 and after 3 statements it’s now $8000. Synchrony can be real generous with CLIs. YMMV though.

Re: JC Penney credit card

Anonymous — Thu, 15 Mar 2018 20:05:07 GMT

Thank you Renneto
I was just wondering cuz they were really specific it said $100 permanent credit limit ...thanks for your help ... Wow congrats on ur PayPal that's amazing

Re: JC Penney credit card

SunriseEarth — Fri, 16 Mar 2018 01:12:49 GMT

Did you apply online or in-store? Also, do you know your TU score was?

When I was in the low 600s, I was approved for $250 on my JCP card. It was my first card post-BK that didn't have an AF, so I was thrilled. That card is now my second oldest active CC and has a $15K CL. So yes, you can definitely grow in time.

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 01:22:46 GMT

I applied online and my score is a little over 600 I had tried other times and they denied me but I tried again to be exact I think it was 2 days ago and they approved me $100 they said it was a permanent amount ..but hopefully with time it grows ...thank

Re: JC Penney credit card

SunriseEarth — Fri, 16 Mar 2018 01:32:45 GMT

@Anonymouswrote:
I applied online and my score is a little over 600 I had tried other times and they denied me but I tried again to be exact I think it was 2 days ago and they approved me $100 they said it was a permanent amount ..but hopefully with time it grows ...thank

"Permanent" in this case means your full approved CL. When you apply online, you sometimes get a small "Temporary" line that allows you to make some purchases.

With your credit profile, I recommend letting 4 statements post, and then trying the LUV button ("Request More"). The first time I did that, I went from $250 to $750! I was so happy about my experience that I wanted to learn how to make it happen again. And that led me here to MyFICO.

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 01:41:30 GMT

Awesome ..thanks for your help I will wait a little then do what u said. I can't wait lol ....I'm so glad I'm starting to build my credit again I also applied for Macy's and they approved me $300 line of credit 👍

Re: JC Penney credit card

AverageJoesCredit — Fri, 16 Mar 2018 02:03:07 GMT

Welcome to the forum Congrats on getting a Pennys card. When i started my rebuild, after Fingerhut, JC Penny was the first card that approved me in store for $500, lolwut!. Couldnt believe it. My ignorance let me think because i went bk 8 years previous i couldnt have a credit card because i was in bankruptcy.

My first approval with Macys on my rebuild was also $300. Both cards can grow nicely with time. My Pennys now sits at 12k and my Macys at 10k. Thats alot of underwear lol but in my opinion two of the better store cards to have. Again welcome

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 02:10:12 GMT

The same happen to me cuz of my past history I thought I would never get back on my two feet again but thank God he let me start rebuilding my Credit again and it feels soooo good ....I'm so happy for u as well it really feels good ...Thanks again hun lol that sure is alot of undeas lol

Re: JC Penney credit card

AverageJoesCredit — Fri, 16 Mar 2018 02:20:22 GMT

If you are rebuildng your credit, just remember you wont need 20 store cards or everything under the sun if theyll approve. Be selective , pick cards that will work for your spend and lifestyle. For maximizing your score you really only need 3 credit cards, anything else is just gravy.

With your score low, make sure to attack any baddies, or negatives on your report , and use your cards responsibly by trying to always pay on time. I find , the hard way at times, try to buy things you honestly feel you can pay off at the end of the month. This way you dont get stuck paying interest, especially with store cards.

Any question in regards to your credit journey dont hesitate to make a post, some great people here who are willing to help as most of us have had to start a new

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 02:31:44 GMT

I was so young when I had so much credit I just wish I never had all that credit when I was younger ...I just thank God for this second aportunity i always make sure now that my credit cards are paid and I just get the things I really need ND pay them off ND then use them again cuz I never want to go through a second bankruptcy or anything like that ....thank you all for your help and support u guys are amazing here

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 04:04:58 GMT

I had such a hard time with GE before it became Synchrony, and they wouldn’t even lend me a pencil! But after I got my Amazon store card, which my wife signed me up!!! I signed up for a JCP, since our kids are going to growth spurts so quickly we gets deals and pif so any discounts don’t get absorbed by interest, I got approved for 325.00 this was around 8 months ago I was like **bleep** that’s messed up but now it is currently sitting on 10k my Amazon at 8k Ashley at 12.3k just from LUV button! I always asked way more in hopes for it to stick or for a counter at least especially since they are SP. Any CLI is a good one because it leads you to a better one down the road 100 CLI is better than a 7-10 denial.

Re: JC Penney credit card

Anonymous — Fri, 16 Mar 2018 04:59:49 GMT

Lol it is better then a 7 _10 day denial lol ...I'll wait patiently lol ....what's the luv button I'm new at this so I don't know ....thanks to all you guys u are all so helpful ....wow that's a pretty nice credit limit they gave you now... I know how it is when u have kids and your trying to make every penny strech they grow so quick ...congrats on ur credit limit

Re: JC Penney credit card

SunriseEarth — Fri, 16 Mar 2018 08:26:04 GMT

@Anonymouswrote:
Lol it is better then a 7 _10 day denial lol ...I'll wait patiently lol ....what's the luv button I'm new at this so I don't know ....thanks to all you guys u are all so helpful ....wow that's a pretty nice credit limit they gave you now... I know how it is when u have kids and your trying to make every penny strech they grow so quick ...congrats on ur credit limit

When you access your CC account online, the "LUV button" is the nickname we give to the link that allows you to request a credit limit increase.

Re: JC Penney credit card

Miner — Fri, 16 Mar 2018 19:03:26 GMT

I can't speak for their recent policy, but I opened JC Penney storecard in 1997 to get a discount on a $300 purchase, they gave me a $500 limit despite most of my limits being several thousand. I still had that $500 limit when the account was closed in 2008. I actually used that card periodically a few times a year, had excellent credit for most of that period and never was late. It was the only account I've ever had that never got an increase.

The only thing I miss about that card is it is now my oldest account and is about to fall off.

Re: JC Penney credit card

Anonymous — Sun, 18 Mar 2018 03:06:09 GMT

Thank you cakedrop5, it all began little by little and also making sure to never be late is a big key above all so good luck on your new journey in building a better credit.

Re: JC Penney credit card

Anonymous — Sun, 14 Oct 2018 14:57:41 GMT

If it’s worth anything, I was approved for $100 in March and was just bumped to $3k. Only used the card 3 times.