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Jcpenny card re-opening

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Member

Jcpenny card re-opening

Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you
Message 1 of 6
5 REPLIES 5
Epic Contributor

Re: Jcpenny card re-opening


@Pareeseh wrote:
Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you

Hard pull

In store sometimes better with some of these sync store cards.

Message 2 of 6
Valued Contributor

Re: Jcpenny card re-opening


@Pareeseh wrote:
Hello everyone

I closed my jcpenny card years ago. Want to reopen. Should I apply online or in stores? Will it effect my score? Is it going to be a hard pill or soft? Thank you

You can apply with either option.  If approved, you can always request more from Credit Solutions.  You didn't say what your current FICO scores are.  The change in score is dependent on whether you have a thick file or thin file.  It will be a HP most likely to TU as Synchrony Bank generally pulls TU. 


Gardening till December 2019
AMEX BCP| AMEX ED| BBVA NBA AMEX| Venture| QS| BoA Cash Rewards| Barclays Rewards MC
Message 3 of 6
Established Contributor

Re: Jcpenny card re-opening

Just to be clear, they are not going to "reopen" your old account, you will be applying for a new account
Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 4 of 6
New Member

Re: Jcpenny card re-opening

Thank you ☺️. And how long after opening the card do you guys suggest I should request a credit line increase?
Message 5 of 6
Frequent Contributor

Re: Jcpenny card re-opening


@dragontears wrote:
Just to be clear, they are not going to "reopen" your old account, you will be applying for a new account

This.  I have a 20 year old JCPenney account, my oldest account on my reports. It had a zero balance. I forgot about it, and it was closed.  I've begged, but there is absolutely no way to reopen the old account.  It will fall off soon.

Message 6 of 6