JCPenney Mastercard upgrade!

datrucking210 · ‎06-01-2016

@RM21 wrote:
Congrats OP. To me if it was initiated on their end, in my own little world, that would not be stepping out of the garden. That is someone walking by and pouring water on it.

Thanks!

I'll see it as the neighbors dog handling his business in my front yard. You know hate it when that happens but can't hate the dog.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016

Ebates Visa SL $3,200 to $20,000, 25.24%

NFCU Cash Rewards Visa Signature SL $15,300 to $18,000, 14.90%

Lowe's Store Card SL $500 to $5,000 to $17,000, 24.90%

RBFCU Premier Rate Mastercard SL $15,000, 9.95%

Sam's Club Mastercard SL$3,600 to $10,000 to $15,000, 23.15%

Stash Hotel Rewards Visa SL$3,000 to $15,000, 16.24%

J Crew Store Card SL $250 to $4,450 to $12,450

Generations FCU Earned Premium Rewards Visa Siggy SL $7,000, 9.25%

Amazon Store Card SL $600 to $3,500 to $4,000 to $6,000

Citi AAdvantage Platinum Select World Mastercard SL $5,000

JCPenney Store Card SL $500 to $3,500 to $5,000

PenFed Platinum Rewards Visa Siggy SL $5,000, 17.99%

Overstock Store Card SL $2,200 to $3,700

Kohl's Store Card SL $400 to $700 to $1,500 to $2,500 to $3,000

Barclays Rewards Mastercard SL $750 to $1,500 to $2,050

Victoria Secret Store Card SL $500 to $2,000

Lenovo Preferred Store Card SL $1,200 to $1,600

Barclays NFL Extra Points Visa SL $500 to $1,400

BankAmericard Cash Rewards Visa SL $500 Secured Don't Judge, wanted in with BofA and was offered this after being declined

RBFCU Cashback Rewards Mastercard SL $1,000

AU:

Walmart Mastercard SL $1,800 to $2,600 to $8,000

Barclays Rewards Mastercard SL $2,500 to $3,500 to $4,450

pc01user · ‎06-01-2016

Wonderful news Congrats!

wasCB14 · ‎06-01-2016

I'd opt out, and stick with the store card.

Maybe you'll get a higher CL with a MC, but in my book that's not a sufficient benefit to close an old account and open a new one. How likely are you to actually use the JC Penney MC outside the store when you have cards like the Sam's Club MC?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

Anonymous · ‎06-01-2016

Since they went back to the older style incentives just occasional use of that MasterCard will add up the jcp rewards. I would agree that Sam's is the stronger card

Anonymous · ‎07-16-2016

Hi ,

Could someone state how many pointsdrop in your case after the old account was closed and the new one was reported?

There is just one day left on this to accept/decline and I am still unsure. I used the credit simulator on credit karma and it said if closing my oldest card, jcp 11 years, I would drop by 20 points!

I only have one other credit card that I would love to stop putting all purchases on and this upgrade would allow it. I do have a dell card also and that's it.

I would much appreciate it.

Thanks!

KELLIE.

asphaltcowboy · ‎07-16-2016

@datrucking210 wrote:
Well yesterday in the mail I received a letter informing me that I was selected for an upgrade to the JCPenney Mastercard. Really surprised me. It does say if I don't want the upgrade to call by July 17th. Now I just recently jumped in the garden so this essentially will be coming out of the garden since it'll report as a new account, right?

First , congrats on all your success, I know in the past when upgrades were offered, this did reset your garden clock, if you accepted, it is considered a new account.

Best of luck to you

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

AverageJoesCredit · ‎07-16-2016

Congrats!! I agree with RM, in my head at least, even though it is considered a new account, i wouldnt count it as stepping out of the garden as you didnt seek it, just think of it as an extended reward for being a Pennys customer who maintained their account well

. I know downside is new account but upside is you can say you have a Pennys mc where not everyone can

. Make it fun and go buy something in Sears or Macys, maybe theyll get jelly haha ! If you accept, enjoy!!