JCPenney Credit Card Limit Increase- Let’s see

JCPenney Credit Card Limit Increase – Payments through credit cards have made it easier to shop. Even though shopping with credit cards is all fun and games. 

There will come a time when you will reach your card limit and will want to increase the card limit. JCPenney. Banks have not made it easy to get an increase in your shopping limits. But, still, with your good payment records, you can easily get an increase.

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JCPenney allows you to increase your credit card limit under some conditions applied. You have an active credit card and should have paid all your payments on time. 

JCPenny Credit Card Limit Increase

JCPenney 

JCPenney is an all-in-one departmental store. You will find things for women, men, children, home décor, and even jewelry. 

The retail store started its business in 1902 but as the fashion and the trends of shopping malls escalated. JCPenney expanded its business. It has always managed to leave its mark when it comes to internet shopping or in-house shopping. It gives its customers whatever it needs, all under one roof. 

JCPenney Card Policy 

JCPenney has come up with two types of cards. One is the credit card and the other is the master card. Now here it’s a point worthy of attention you do not get to choose what card you want to use.

JCPenney has its criteria. If someone meets that certain criteria only then you can enjoy the perks of a Mastercard.

Credit Card 

  • Like any other card, you can enjoy some advantages. You can use it at any outlet of JCPenney and Sephora.
  • In addition to that, you will get 1 credit point for each dollar you spend.
  • Every 200 points you receive will be changed into $10. 
  • You can even enjoy additional coupons for example the first purchase you make through your credit card, you will get 15% off.
  • You can even enjoy a birthday coupon, given that you have made some purchases in the last few months using your credit card.
  • One thing that you cannot miss here is that you will have to pay an interest rate known as APR (annual percentage rate) which is 27.99%

Gold and Platinum Cards

Now there are certain requirements you need to fulfill to upgrade your cards and have the full shopping experience.

If you want to get your hands on the gold card, you have to spend a minimum of $500 at JCPenney stores or online using your credit card.

If you manage to spend $1000 using your credit card, then you will be able to get a platinum card. 

How to Get Credit Card?

It is one of the easiest credit cards to get your hands on. Follow the following steps and you are good to go. 

  • Head to your nearest JCPenney store fill out the form and as soon it gets approved you will get your card.
  • Another way to get your credit card is to apply online. Fill in the form. 
  • Even if it takes some time to review your application you will get a response in 7 to 10 days.

How to Increase Card Limit?

This goes without saying that not everyone can get a raised credit limit. The company has some rules and policies to make sure that its interests are preserved.

Conditions Applicable

You have come up with the criteria set up otherwise you cannot request for an increased card limit.

  • You should be an active user of the credit card.
  • All your bills have been paid on time and with consistency.
  • If you had applied for any limit increase before, they will consider how you handled that. Then the company will decide if you are eligible for the request.
  • You have to have a stable job as they will take a look into your source of income. If your income is not sure, they cannot approve you for the increased limit. 

Application Process

Before applying for the card, make sure you meet the criteria. 

  • You can call JCPenney at (800) 542-0800 and talk to customer support and inform them that you need a card limit increase.
  • They will go through your payment history and will let you know as soon as possible. 
  • You can also log in to your account online and request to increase your card limit.

Final Words

If you are someone who goes and shops from JCPenney, the best way to get some advantage out of spending money at the store is to get a credit card.

You can enjoy getting discounts and the more you spend, the higher your credit limits can go. So, if you are someone who can manage your finances well and often try out things from JCPenney, then you can easily request an increased credit card limit.

FAQs
  • Is it difficult to get an increased card limit?

No, if you have well-maintained records then it is quite easy.

  • Will JCPenney automatically increase my limit?

If you fulfill the requirements, JCPenney can upgrade your credit card automatically.

JCPenney Credit Card Limit Increase- Let’s see

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