topic Re: JCPenny in Credit Cards

JCPenny

masscredit — Sun, 26 Oct 2014 23:56:54 GMT

I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 01:42:54 GMT

To each their own. Might I suggest a cashback rewards card that can be used more places than only the one retail store?

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 01:46:36 GMT

@masscredit wrote:
I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.

Good for you! Glad you're getting good use out of JCP. They've been instrumental in my rebuild, so I'm always happy to see JCP success.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 01:48:28 GMT

@SunriseEarth wrote:
@masscredit wrote:
I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.
Good for you! Glad you're getting good use out of JCP. They've been instrumental in my rebuild, so I'm always happy to see JCP success.

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 01:53:20 GMT

@Anonymous wrote:
To each their own. Might I suggest a cashback rewards card that can be used more places than only the one retail store?

I really don't understand what it is about store cards that generates the kneejerk reaction against them. While certainly not all store cards are created equal, many of them offer generous rewards programs, discounts, special financing offers, and other perks (such as Walmart's "cash-over" feature) that aren't always available on cash back major CCs. If a store card fits well into your profile, great! If not, great! But it's always good to have CCs that fit your needs. Just keep in mind that not everyone has the same needs.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 01:55:12 GMT

@SunriseEarth wrote:
@Anonymous wrote:
To each their own. Might I suggest a cashback rewards card that can be used more places than only the one retail store?
I really don't understand what it is about store cards that generates the kneejerk reaction against them. While certainly not all store cards are created equal, many of them offer generous rewards programs, discounts, special financing offers, and other perks (such as Walmart's "cash-over" feature) that aren't always available on cash back major CCs. If a store card fits well into your profile, great! If not, great! But it's always good to have CCs that fit your needs. Just keep in mind that not everyone has the same needs.

Totally agree. I just believe in diversification.

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 02:07:28 GMT

@Anonymous wrote:
@SunriseEarth wrote:
@Anonymous wrote:
To each their own. Might I suggest a cashback rewards card that can be used more places than only the one retail store?
I really don't understand what it is about store cards that generates the kneejerk reaction against them. While certainly not all store cards are created equal, many of them offer generous rewards programs, discounts, special financing offers, and other perks (such as Walmart's "cash-over" feature) that aren't always available on cash back major CCs. If a store card fits well into your profile, great! If not, great! But it's always good to have CCs that fit your needs. Just keep in mind that not everyone has the same needs.
Totally agree. I just believe in diversification.

Excellent point. While I think store cards can be very useful, I always get a bit nervous when I read about members that have a lot of CCs issued by any one lender. But while this is common with store cards from Comenity or SyncB, even Chase and AMEX can do it (granted, they at least tend to have measures in place to prevent overexposure, but that might be more for their benefit than yours). If one lender decided to take AA, recovery can be quite difficult, if they make up a lot of your available credit.

Anyway, I may be pulling too much away from OPs original topic, which was the benefits of their JCP card. To me, this is evidence that the OP made a great decision on this particular card and hopefully other members will thoroughly look into making good CC decisions when considering cards to acquire.

Re: JCPenny

masscredit — Mon, 27 Oct 2014 02:08:53 GMT

I have a couple of rewards cards but I just find that the JCP card has some pretty good benefits. Realistically, I didn't spend that much and now I'm looking at $50.00 that I can go in and use this week. Plus I'll end up getting rewards in the mail.

Re: JCPenny

woodyman100 — Mon, 27 Oct 2014 02:40:03 GMT

I had a JCP card and took it to platinum quickly. It was a great card. I ended up too far away from a Jcp and closed the account. Of course they came out with a MC right after that......

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 02:50:24 GMT

@woodyman100 wrote:
I had a JCP card and took it to platinum quickly. It was a great card. I ended up too far away from a Jcp and closed the account. Of course they came out with a MC right after that......

Rite Aid still accepts JCP cards for payment; CVS used to up until this July. There's always JCP internet orders, too...

Re: JCPenny

Vegasr — Mon, 27 Oct 2014 02:56:42 GMT

@masscredit wrote:
I have a couple of rewards cards but I just find that the JCP card has some pretty good benefits. Realistically, I didn't spend that much and now I'm looking at $50.00 that I can go in and use this week. Plus I'll end up getting rewards in the mail.

I did the exact same thing today with my JCP card. Plus since my purchase was over $300 I got no interest for 12 months using the card. Awesome promo today with F&F.

Re: JCPenny

masscredit — Mon, 27 Oct 2014 05:14:25 GMT

@SunriseEarth wrote:
@woodyman100 wrote:
I had a JCP card and took it to platinum quickly. It was a great card. I ended up too far away from a Jcp and closed the account. Of course they came out with a MC right after that......
Rite Aid still accepts JCP cards for payment; CVS used to up until this July. There's always JCP internet orders, too...

It's been a few months since I used my JCP card at CVS? They don't accept it anymore?

Re: JCPenny

Turbobuick — Mon, 27 Oct 2014 07:08:16 GMT

@masscredit wrote:
I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.

We shop at Penney's occasionally as there is one close to our home. They were reprimanded recently in the news about "sale" items that were initially inflated way beyond normal retail prices, then marked 75% off which was considered deceitful and bordering on fraudulent sales tactics. Penneys is struggling to maintain any consistant market share and going through many CEO's with yet another due next year, an ex Home Depot VP. I hope Penneys and Sears can survive their ongoing sales declines.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 07:23:19 GMT

@Turbobuick wrote:
@masscredit wrote:
I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.
We shop at Penney's occasionally as there is one close to our home. They were reprimanded recently in the news about "sale" items that were initially inflated way beyond normal retail prices, then marked 75% off which was considered deceitful and bordering on fraudulent sales tactics. Penneys is struggling to maintain any consistant market share and going through many CEO's with yet another due next year, an ex Home Depot VP. I hope Penneys and Sears can survive their ongoing sales declines.

Internet killed the retail star(s).

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 09:06:32 GMT

@masscredit wrote:
@SunriseEarth wrote:
@woodyman100 wrote:
I had a JCP card and took it to platinum quickly. It was a great card. I ended up too far away from a Jcp and closed the account. Of course they came out with a MC right after that......
Rite Aid still accepts JCP cards for payment; CVS used to up until this July. There's always JCP internet orders, too...
It's been a few months since I used my JCP card at CVS? They don't accept it anymore?

CVS phased out acceptance of the JCP card as of July. :-( This could be why we saw an influx of the JCPenney MC being issued in August. Needless to say, I shifted my business over to Rite Aid.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 09:08:11 GMT

@SunriseEarth wrote:
@masscredit wrote:
@SunriseEarth wrote:
@woodyman100 wrote:
I had a JCP card and took it to platinum quickly. It was a great card. I ended up too far away from a Jcp and closed the account. Of course they came out with a MC right after that......
Rite Aid still accepts JCP cards for payment; CVS used to up until this July. There's always JCP internet orders, too...
It's been a few months since I used my JCP card at CVS? They don't accept it anymore?

CVS phased out acceptance of the JCP card as of July. :-( This could be why we saw an influx of the JCPenney MC being issued in August. Needless to say, I shifted my business over to Rite Aid.

Hmm. I'm inclined to agree with this.

They didn't upgrade ours.

Re: JCPenny

SunriseEarth — Mon, 27 Oct 2014 09:10:13 GMT

@Turbobuick wrote:
@masscredit wrote:
I have to say, JCPenny is probably my most rewarding credit card. They have quality merchandise and then to have a lot of sales. Plus there are usually other offers that can be stacked on top of most of the sale pricing. I bought $478.00 worth of merchandise there today. I paid $303.70 after the sale prices and 25% off friends and family discount. And then I got $50.00 in bonus cash. Plus I get rewards by using my JCP card. Not bad at all! Granted you don't need their card to get some of these discounts but the extras definately help.
We shop at Penney's occasionally as there is one close to our home. They were reprimanded recently in the news about "sale" items that were initially inflated way beyond normal retail prices, then marked 75% off which was considered deceitful and bordering on fraudulent sales tactics. Penneys is struggling to maintain any consistant market share and going through many CEO's with yet another due next year, an ex Home Depot VP. I hope Penneys and Sears can survive their ongoing sales declines.

The only problem is JCP got caught doing it. That's a pretty standard tactic for any business.

JCP just needs to find their audience again. They have quality clothing at reason prices, although it seems like they're battling competitors ranging from Target to Macy's that could also claim the same, to some extent.

Re: JCPenny

Anonymous — Mon, 27 Oct 2014 10:55:01 GMT

Good thread ... thanks for the info. Use my JC Penney Card a couple of times a year. Challenge is not using Chase Ultimate Rewards or Discover Card Rewards and picking up extra benefits. The internet certainly is challenging brick and mortar retail. Hope Sears and JCP survive.

Re: JCPenny

masscredit — Mon, 27 Oct 2014 12:29:00 GMT

For the JCP Rewards, it says -

Get a $10 JCPenney Reward for every 100 points earned in store and at jcp.com—up to 10 each month when you use your JCPenney Credit Card.

I haven't noticed it before, does this include when you use it at outside locations like Rite Aid and when it was accepted at CVS?

Re: JCPenny

MissMoni223 — Mon, 27 Oct 2014 13:02:50 GMT

JCP will always hold a very special place in my heart. They were my very 1st credit card, when I was only 17. I didn't know much at all about credit then, and our relationship ended. . . They gave me another chance and we picked up as if nothing negative ever happened.