An in with GECRB???

[Anonymous]

Just some history.

Sam Walton worked at a JCPENNY store in the 40s for a year before he went on to establish his own store..WALMART.

Yes I use my JCP card at CVS for minor purchases. You can only use the SEPHORA though inside a JCP store, you cant use it at a free standing SEPHORA location, which is odd

[dddewdrop]

   If you aren't really going to use a JCP card then I wouldn't get it. You will most likely have "appr's remorse" later as you are presented with much more useful card options in the future. A lot of people make the mistake of getting like 50 store cards they are never gonna use . It is a powerful emotional rush getting approved for a card. 
As your scores inmprove you can afford to be a little more selecting. Just because a card has no annual fee doesn't mean that there are not risks involved. Every additional card you get requires managing, paying attention to bills, the possibility of a billing error or identity theft and the temptation which credit presents so I would agree with others. If you want the Walmart card maybe go ahead and apply for it.

[youngandcreditwrthy]

I like to have cards to stores I don't like so I don't use them! Haha :-)

[Countingpennies]

That is odd that you can't use JCP in a Sephora store. I've only been in one once. Always ordered from Sephora online, used JCP card. It's the only place I ever used the card, didn't know about CVS. Alas, I know longer have my card, went bye-bye with BK. I wonder if Sephora is missing me.

[injustifiiable]

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@youngandcreditwrthy wrote:
I like to have cards to stores I don't like so I don't use them! Haha :-)

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LOL...me too. I know I'll have at least 5 or 6 cards that always report zero....:-)

[LS2982]

I would go for JCP first then wait like 4-6 and pick a few others up.

[dddewdrop]

 I think it is good for you to establish whatever tradeline is offered to you now because it will help you in the long run. Even if it is a low limit it will help your aaoa and just having an unsecured tradeline is a huge step forward towards good credit. I hear you about having cards to stores you don't need. With self discipline you can have good cards and have zero balances on those as well..

[09Lexie]

+1

[atarvuzdar]

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@Countingpennies wrote:
That is odd that you can't use JCP in a Sephora store. I've only been in one once. Always ordered from Sephora online, used JCP card. It's the only place I ever used the card, didn't know about CVS. Alas, I know longer have my card, went bye-bye with BK. I wonder if Sephora is missing me.

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Yes, I made quite the fool of myself at Sephora once when I tried to use my JCP card to purchase some things for my DD. Works like a charm in the Sephora mini-store set up inside JCP though--and I've found much better deals at the mini-store than in the stand-alone Sephora. Good to know about the online option with Sephora, I had no clue. Thanks for the tip!

[injustifiiable]

I used to go to JC Penney with my mom as a kid. They used to have one in the urban area where I live but now most of them are in shopping malls. Not too far though...It'll be good to make a purchase once in a while to keep active.