JCPenney Credit Card Approval Credit Score Needed (2024)

FAQs

JCPenney Credit Card Approval Credit Score Needed? ›

You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).

A JCPenney credit card is accessible to most shoppers, as the required credit score for a JCPenney card is just 640. However, If you want to get a Mastercard version, you need to have a good credit score of 700 and up.

This card is available to people with fair credit or better, which means that most people should have a shot at approval but there are also plenty of people who won't qualify. In order to get the JCPenney Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old.

The Kohl's Credit Card approval requirements include a credit score of 640 or higher. This means you need at least fair credit to get approved for this card. Keep in mind that the issuer will also consider your credit history, income, and existing debt obligations when making a decision.

Yes, the JCPenney Credit Card will do a hard pull on your credit when you apply for it. This might have a short-term negative effect on your credit score. And since there's no way to pre-qualify for this card, you better make sure you have a credit score of at least 640 (fair credit) to be considered eligible.

The JCPenney Credit Card credit limit is usually around $500 to start, according to forum posts, and some cardholders report limits as high as $15,000. Synchrony Bank does not include any specific JCPenney Credit Card credit limit information in the card's terms, though.

The JCPenney Credit Card is issued by Synchrony Bank.

At the moment, there is no way to check the status of your JCPenney Credit Card application online. It is worth noting that you should receive a decision in the mail within 10 business days after applying. Once you're approved, it'll take 7-10 business...

Yes, the JCPenney Credit Card reports to the credit bureaus every month, within days after the cardholder's billing period closes. Synchrony Bank reports the card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.

What credit score do I need for a Walmart credit card? ›

You need a credit score of 640 or higher to get a Walmart credit card. This means you are eligible if you have fair credit or better, but factors such as your income, existing debt load, recent credit inquiries, employment status, and housing status will also impact your chances.

Suggested credit score

You'll need to have at least fair or average credit -- a credit score over 580 -- to qualify for the Target Circle™️ Card. Like any card, you'll have a better chance of being approved if you have good credit or better. Applicants with lower credit scores may also be offered a lower credit limit.

For the best odds of being approved, it's recommended that you only apply for a Target Credit Card if your credit score is 640 or higher and you have enough income to afford monthly bill payments.

You need a credit score of at least 640 to get the JCPenney Credit Card. That means people with fair credit or better have a shot at getting approved for this card. The JCPenney Mastercard, on the other hand, requires a 700+ credit score (good credit).

You can only use the JCPenney Credit Card at JCPenney stores, JCPenney.com, Sephora stores inside JCPenney locations, and Sephora.com.

The JCPenney credit card earns a straightforward 1 point per dollar spent on JCPenney purchases and a mediocre 0.2 points per dollar spent everywhere else. Each point is worth 5 cents apiece at, you guessed it, JCPenney, so cardholders essentially earn 5% back on JCPenney purchases and 1% back on all other purchases.

Generally, a credit score of at least 600 is required to be considered for a Synchrony credit card or store card. However, certain cards may require a higher credit score, typically around 660 or higher.

Minimum credit score: 640+ (at least fair credit) Age requirement: 18 years old. Income requirement: Enough to afford monthly payments (wages, investments, etc.)

JCPenney Credit Card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Synchrony Bank may use a specific credit bureau more than another, depending on the applicant's home state, and other factors.