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How To Pay JCPenney Credit Card: Online, Phone Or Mail

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Do you love shopping at JCPenney? If you’re a frequent shopper at JCPenney, then you know that the store offers a wide variety of items, from clothes and shoes to home furnishings and appliances. 

Now, you can get even more for your money by using the JCPenney Credit Card. You’ll get exclusive discounts and rewards just for using your card. With the JCPenney Credit Card, you’ll be able to shop all your favorite brands and styles一and pay for them over time. So there’s no need to wait to get the clothes, accessories, and home decor you want.

Moreover, with a JCPenney credit card login, you can manage your account and pay your card bill online without hassle. In this article, we will tell you about setting up an online account for a JCPenney card and various payment methods. But first, let’s check out the perks of this card. 

Benefits Of JCPenney Credit Card

There are plenty of benefits that come with having a JCPenney credit card. 

  • For starters, cardholders enjoy special financing offers on select purchases. It can help make large purchases more manageable by allowing you to spread out the cost over time.
  • With a JCPenney credit card, you have the flexibility to choose how you want to pay for your purchase. You can either pay your balance in full each month or take advantage of the interest-free financing options available for qualifying purchases.
  • JCPenney credit card holders receive 1 point/dollar spent. That means every time you use your card; you’re racking up points that can be redeemed for future purchases at JCPenney. And the more you spend, the more points you’ll earn一making it easy to save on your favorite items.
  • You will enjoy a 15% discount on selected items, including clothes, accessories, and beauty and salon products. Plus, this card offers 5% off on electronics.
  • There is no annual fee or hidden charges, and the APR is only applicable if you don’t pay your credit card bill on the due date.
  • You will receive a gift on your birthday, which is a perk that almost no credit card offers.

Online Account Access

You can manage your account online anytime, anywhere if you’re a JCPenney credit cardholder. It’s quick and easy to pay your bill, check your balance, update your information, and more.

JCPenney Credit Card Login

  1. Go to https://jcpenney.syf.com/accounts/login/.
  2. Enter your User ID and Password. 
  3. Click Continue.
  4. That’s it!

Register Online

  1. Under the Login section, click on the I want to Register.
  2. Enter your Account Number and Zip Code.
  3. Click on the Continue button.
  4. Now, set up your online account by following the prompts and selecting a User ID and Password.
  5. All set!

Forgot Password

  1. Click on I forgot my Password. 
  2. On the next page, enter the required details: User ID and Zip Code, and click Continue.
  3. Verify your account and set a new Password.
  4. Now, log in with your new password.

Forgot User ID

  1. Click on I forgot my User ID.
  2. Enter your Account Number and Zip Code
  3. Click Continue.
  4. After verification, you will receive your User ID in the email you provided.

JCPenney Credit Card Services

JCPenney Credit Card Bill Pay Phone Number

1 (800) 527-4403 is the phone number you can use to reach the JCPenney credit card bill pay department. This department is responsible for processing bill payments for JCPenney credit card holders. 

When you call this number, you will be prompted to enter your account number and billing zip code. Once you have done so, you will be able to speak to a customer service representative who can help you with your bill payment.

JCPenney Credit Card Payment Address

If you need to mail in your JCPenney credit card payment, you can do so by sending it to the following address:


P.O. Box 960090

Orlando, FL 32896-0090

Be sure to include your account number on the check or money order so that your payment can be processed correctly.

Customer Service Hours

As a JCPenney credit cardholder, you can enjoy convenient customer service hours from Monday to Friday, 7:00 am to 12:00 am EST, and on Saturday and Sunday, 9:00 am to 12:00 am EST. Just call 1-800-322-1189; their team is available to help you with any questions or concerns you may have about your account.

How To Pay JCPenney Credit Card?

There are a few different ways that you can pay your JCPenney credit card bill. You can do it online, by mail, or by phone.


  1. Log into your JCPenney account by going to the JCPenney payment site
  2. Click on the Pay My Bill option.
  3. Enter your payment amount, bank account number, and routing number, then click Submit.
  4. Your payment will be processed and reflected on your account within three business days.

By Phone

The JCPenney Credit Card Bill Pay Phone Number is 1-800-527-4403 (toll free). You can use this number to make payments on your JCPenney credit card account. You will need to have your credit card and account information handy when you call this number.

To make a payment, you will need to provide the customer service representative with your credit card number, the amount you would like to pay, and your billing address. You will also need to provide a method of payment. The customer service representative will then process your payment and give you a confirmation number.

By Mail

If you need to make a payment on your JCPenney credit card but don’t have the time or ability to do so online or in person at a store, don’t worry, you can still pay by mail. It’s easy to do and only takes a few minutes. Here’s how:

  1. Gather your payment information. You’ll need to have your JCPenney credit card number and the amount you want to pay handy.
  2. Write a check or money order for the amount you wish to pay, made out to JCPenney.
  3. Include your JCPenney credit card number on the check or money order.
  4. Mail your payment to JCPenney, P.O. Box 960090, Orlando, FL 32896-0090.

That’s all there is to it! As long as you make sure your payment is postmarked by the due date, it will be credited to your account, and you’ll avoid any late fees or interest charges.

Via The Mobile App

pay jcpenney credit card by phone

If you’re a JCPenney credit cardholder, you can pay your bill online through the Synchrony bank mobile app. Here’s how:

  1. Open the app and sign in to your account.
  2. Go to the menu in the top left corner and tap on the Payment tab.
  3. Enter the amount you wish to pay and select your payment method (e.g., debit or credit card, bank account).
  4. Review and confirm the payment details, then tap Submit.

You should receive a confirmation message once the payment is processed successfully.

How To Avoid Late Fees?

If you’re like most people, you probably dread paying late fees. They can really add up, and it’s not always easy to avoid them. Unfortunately, the late fee for a JCPenney credit card is $29, and if you keep paying late for six months, the late fee will be $40

Here are a few things you can do to avoid paying late fees:

  • First, be sure to make your payments on time. JCPenney offers a grace period of 24 days after your due date, so as long as you make your payment within that timeframe, you won’t be charged a late fee.
  • Second, enroll in autopay. This way, your payments will be automatically deducted from your bank account each month, and you’ll never have to worry about forgetting to make a payment or being late.
  • Third, consider signing up for paperless statements. This way, you’ll always have a copy of your statement on hand, and you won’t have to worry about losing it or forgetting to pay.
  • Finally, if you do end up paying a late fee, be sure to call JCPenney and ask them to waive the fee. In most cases, they’ll be happy to do so.


How Do I Pay My JCP Bill By Phone?

To pay your JCP bill by phone, call 1-800-527-4403. Your call will be received by an automated system or customer service representative. They’ll be able to help you make a payment using your debit or credit card. Make sure you have your account information handy when you call, as they’ll need it to process your payment.

What Is The Minimum Credit Score For A JCPenney Card?

You’ll need a credit score of 640 or higher to get approved for a JCPenney store credit card. It is by no means a guarantee of approval, but it’s a good place to start. If your credit score is lower than 640, you may still be approved, but your chances are slim.

If you’re not sure what your credit score is, you can check for free on sites like Credit Karma. Once you know your score, you can start the process of applying for a JCPenney store credit card.

Can I Pay My JCPenney Bill With A Debit Card?

Yes, you can pay your JCPenney bill with a debit card. You can also pay with a Visa, Discover card, or Mastercard. To do so, simply enter your card number and expiration date when prompted during checkout.

What Bank Owns JCPenney Credit Card?

Synchrony Bank is the issuer of the JCPenney Credit Card. Synchrony Bank is one of the most prominent providers of private label credit cards in the U.S. 

Private label credit cards can only be used at a specific retailer or group of retailers. In addition to JCPenney, Synchrony Bank also issues credit cards for many other retailers, including Amazon, Gap, and Sam’s Club.

Does JCPenney Do A Hard Pull?

Yes, JCPenney will do a hard pull on your credit report when you apply for one of their credit cards. It is standard practice for most retailers who offer credit cards.

Hard pulls can slightly lower your credit score, but they are generally not a major factor. And in most cases, the benefit of having a JCPenney credit card outweighs the negative impact of a hard pull.

Final Thoughts

JCPenney credit card holders also enjoy exclusive discounts and benefits, like early access to sales and special financing offers. So if you’re a frequent shopper at JCPenney, signing up for a credit card is a no-brainer. You’ll earn rewards while saving money一what could be better than that? Read more at ValueWalk.