3.1
25 reviews
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  • Average: 3.6
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Retail Credit Cards
GE Capital Retail Bank - JCPenney Rewards Credit Card

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GE Capital Retail Bank - JCPenney Rewards Credit Card
 
3.1

(based on 25 reviews)

Ratings Distribution

  • 5 Stars

     

    (5)

  • 4 Stars

     

    (8)

  • 3 Stars

     

    (4)

  • 2 Stars

     

    (1)

  • 1 Stars

     

    (7)

56%

of respondents would recommend this to a friend.

Pros

No Pros

Cons

No Cons

Best Uses

No Best Uses
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Most Liked Positive Review

 

If you like to shop at JCPenney, it's worth it to have.

I used to shop at JCPenney all the time. They also always have great clearance items at super low prices. I stock up at the end of the season for next year. Anyway,...Read complete review

I used to shop at JCPenney all the time. They also always have great clearance items at super low prices. I stock up at the end of the season for next year. Anyway, I quit shopping there for about a year when they did away with coupons. I am definitely a coupon junky. I recently started shopping there again when they reinstituted coupons. I signed up for their credit card to get 20% off my total. They often sent $10 off any purchase of $10 or more. You can receive a percentage off your total periodically also. They have a new rewards program where you get a $10 credit to use if you spend a $100. The only thing about that I don't like is you have to spend the $100 in one month and then you have to use the $10 credit the next month. It doesn't carry over. It still can come in useful.

Customer Service
I haven't ever had major problems with customer service at JCPenney or over the phone with their credit card services. I have had a few cashiers who were just not knowledgeable on coupons and the rewards program which is annoying.

Available Rates
Of course, like most store credit cards, the interest rates are very high. I always pay off my balances every month to avoid interest charges. It doesn't matter how good a rewards program is if you are going to spend way more money on interest than you save.

VS

Most Liked Negative Review

 

Terrible

Had to call twice and both times got terrible customer service.

The interest rate too high and they don't even try to help you.

Customer service were not...Read complete review

Had to call twice and both times got terrible customer service.

The interest rate too high and they don't even try to help you.

Customer service were not professional at all.  Matter of fact they did not even answer the telephone professionally.

Would not recommend.

Thanks

Reviewed by 25 customers

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4.0

If you like to shop at JCPenney, it's worth it to have.

By 

from Pennsylvania

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

I used to shop at JCPenney all the time. They also always have great clearance items at super low prices. I stock up at the end of the season for next year. Anyway, I quit shopping there for about a year when they did away with coupons. I am definitely a coupon junky. I recently started shopping there again when they reinstituted coupons. I signed up for their credit card to get 20% off my total. They often sent $10 off any purchase of $10 or more. You can receive a percentage off your total periodically also. They have a new rewards program where you get a $10 credit to use if you spend a $100. The only thing about that I don't like is you have to spend the $100 in one month and then you have to use the $10 credit the next month. It doesn't carry over. It still can come in useful.

Customer Service
I haven't ever had major problems with customer service at JCPenney or over the phone with their credit card services. I have had a few cashiers who were just not knowledgeable on coupons and the rewards program which is annoying.

Available Rates
Of course, like most store credit cards, the interest rates are very high. I always pay off my balances every month to avoid interest charges. It doesn't matter how good a rewards program is if you are going to spend way more money on interest than you save.

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2.0

A real disappointment

By 

from USA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

Although I love JCPenney I am not in love with the credit card. Shopping at the store with it provides a nice selection and great prices the greater majority of the time. It's difficult to browse and not buy which is the main reason I dislike the credit card so much. The interest rate on the card is way to high at over 29% and goes up even higher when you lapse into penalty time. Their billing cycle is relatively fair and they offer ample time in which to make the payment by but by far that is not enough to make up for the damage that will be done to your overall credit if you go overboard with it. Another down side to it is that the customer service was bad in my opinion. When I was randomly notified that my card or account information might have been compromised I didn't get the answers I needed or in a timely fashion, I didn't receive a replacement card until almost 6 weeks later and that was only after I canceled my account out completely. There was a lot of frustration I was put through as a result of having this card and I can not in good conscience recommend it to anyone at all.

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3.0

JCPenny Card A Little High for My Budget

By 

from Carlsbad, NM

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

When I first began establishing credit, for some reason I applied for a JCPenny card and received it! School was about to start, and my children would need clothes, so under duress I activated this card that said in black and white that I was going to pay 26.99% interest on everything I bought.

Customer Service
Dealing with Customer Service is one of the nicest qualities about my JCPenny account. They all would resolve my problem with only one phone call, which is generally what the public usually wants! Even when I had some financial hardships, the representative was more than happy to work out a plan with me, and not turn me over to the credit union on my first late payments.

Available Rates
I thought 26.99% was quite steep for interest on my account, but then again, it must be the price you have to pay when you are just beginning to rebuild your credit. I thought eventually the rate would go down, but it did not. Still to this day, if I use my JCPenny credit card, I pay 26.99%.

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4.0

Ok, was annoying to apply

By 

from USA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

My husband and I re-opened a JC Pennys Credit Card when we were shopping there and making a larger purchase. We had one in the past, years before, but never used it so we cancelled the account. We weren't going to re-open another account, but the cashier ensured us we would save 20% off our total purchase, so we agreed to do so again.

Customer Service
While at the store, in line with all our purchases and ready to pay and leave the store, our cashier was on the phone with the credit company to open our new JCPenny credit card. Because we had a JCPenny card in the past, our old account was in the system. Our cashier was on the phone with the customer service people, and was given our account number. He then tried to complete our transaction, but couldn't. He had to call back again, and we had to wait an extra 10 minutes or so. It turned out that the customer service rep had given out cashier our old account number and couldn't figure out the new number. Bascially, we had to wait around at the cashier in the store, extra long, and looking like we had bad credit because the customer service rep goofed and told the wrong information. It was human error, but annoying.

Available Rates
We always pay in full, but assuming its competitive?

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5.0

JCPenney Has Great Rewards

By 

from USA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

JCPenney is always a great card to have in your wallet. It allows you access to great sales and savings. Whenever you spend $100 on your card, you receive a $10 voucher. Even if you spend it at Sephora inside of a JCPenney, it counts and that always adds up to great savings with the rewards your given. I have never had any problems using this card. The sales associates will always remind me to use my JCPenney card so I get my rewards. If you don't use it, you don't get the rewards. But it's surely worth it. Of course it has high interest rates, but what credit card doesn't? Just make sure to pay your balance in full each time you use it and the interest rate doesn't matter. It's also great for online shopping. They have the best sales!

Customer Service
Always friendly and able to answer my questions or resolve my problems.

Available Rates
All credit cards these days have high interest rates, and this one does too! Just make sure to pay your balance each month and you should not have to worry about it.

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(1 of 1 customers found this review helpful)

 
1.0

Jcp MasterCard

By 

from USA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

This card is behind sold to another bank. The cancelled my card on July 3rd (without any notice) they claim that many accounts personal information could have been compromised. They assured me that a new card was being sent out that day. Being the day before a holiday and my birthday being the next day, I was not a happy camper. On Monday the 14th I called to see why the card hasn't come. Their reply was it didn't actually get sent out till the 7th because of the holiday weekend. But told me it should be there any day. So now it's Saturday the 19th and still no new card. I call and this rep states that it really didn't go out till the 14-17th because of a reissuing delay? No reason. What the heck?? I'm beyond mad. I do not like to be lied to.

Customer Service
Called 3 times to resolve my problem and each time received a different answer. I felt lied to and got nothing but the run around. No resolution

Available Rates
The rates are very high

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4.0

I ONLY recommend it if you can instantly pay off balance!

By 

from Kansas

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

I love JCPenney and my mom had their credit card when I was growing up and now that I'm an adult I have one too. Over the years the interest rate has climbed significantly. It was almost 30% last time I looked, If I remember correctly. That is why I ONLY recommend you use the JCPenney credit card if you can instantly turn around and pay off the balance while in the store.

You get some nice discounts being a JCPenney credit card member that non-card holders do not receive. JCPenney is fairly priced store and when they have sales it is AWESOME. Getting an extra 30% off sometimes when you use your card is great.

What I do to avoid the INSANE interest rates is go to the store, use my card to get my discounts, then go and pay off the balance while I'm still in the store. That they I avoid the interest and still get my discounts. Just takes an extra few minutes in the store to go pay your balance.

I would NEVER use the JCPenney credit card if I couldn't just go pay the balance off while there because their interest rates are mind blowing.

Available Rates
Almost 30% interest rates. WHY!?

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5.0

Love JCP cards for their rewards

By 

from USA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

So this is just like all other regular retail store cards, but recently we realized that there is something more to it, until a sales person asked us "do you want to use your rewards?". SO we learned that for every $100 of purchase you make per month, there will be a little reward or cash coupon given to you. The cash reward is different than the one that JCP sends via mail or email and it will be valid for a few months.

Another good thing about this card is that it makes the returns easy. If you have purchase something and could not find the receipt, no worries.. I have taken return items as such many times and they would look up in my jcp card and let me return the items if found in my card (for proof of purchase).

Lastly, one thing I liked about this card was to be able to look up for the card by entering some personal info, especially if you forgot to bring it. I am not sure about how secure it is having to enter some sensitive information - not knowing what is encrypted during the transaction. But jcp definitely gives you an option to use the card whenever possible. This card is a keeper.

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3.0

Eh, not great

By 

from VA

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

I got the JCPenny card many years ago and only used it occasionally. I finally closed it out after I had not used it in several years. The interest rate is pretty high, which I didn't realize until I got my first bill with all the terms laid out. Not to mention they suddenly jacked the rate up quite a bit right before the new credit card laws took place, even though I had always paid my card off, never been late on a payment, never went over my limit, and so on. So I hardly ever used it. Recently I was looking at my credit report and for some reason it was still showing my JCPenny card as open. I was not happy. After several calls to customer service we finally got it straight and I am hoping the next update will show the card as closed out. Customer service is not horrible, but not that great either. The sales and benefits with the card are ok, but don't come even close to comparing to other retailers. And consider the quality of their merchandise has gone down hill, and their prices have gone up, not worth the time or hassle of owning the JCPenny card.

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4.0

Great for rewards!

By 

from Elko, Nevada

Comments about GE Capital Retail Bank - JCPenney Rewards Credit Card:

I use my JCPenney card all of the time, it is probably my most used credit card. Every time you spend $100 at JcPenney you get a $10 reward for using your card that you can use on your next purchase. I usually save them up because they are now good for two months and then I use between 4-6 of them at a time plus use other coupons that I get sent to me for being a platinum card holder and save myself a whole ton of money. Having this card is great because I get tons and tons of valuable coupons sent to my home all of the time, many like $15 off a $15 purchase or more. It is nice because then I save money and can get a lot of nice things for my family. The interest rates are high like all store cards are, so make sure to try to pay it off every single month that way you do not accrue a whole ton of interest and have to pay it. Customer service has been good anytime I talk to them, which is rarely, but they have always been very helpful with anything that I needed.

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