How to activate JCPenney credit card? Step by Step GUIDE

JCPenney Credit Card Activation Guide

JCPenney Credit Card issued by Synchrony Bank can be used to make payments at all JCPenney stores and elsewhere and enjoy great discounts and perks.

JCPenney is an American department store chain with 689 locations in the United States.

The company has a wide range of products that appeals to everyone with different needs and interests.

If you have applied for it and received a credit card from JCPenney, then you have to activate it first.

Of course, you can make payments for goods and services with your new card.

But that wouldn’t be possible without going through the JCPenney Credit Card activation process.

Go through this article and find out how you can activate your JCPenney Credit Card quickly and easily.

What required to Activate JCPenny Card

Before you start your online activation, make sure that you have a device with a good internet connection and your card details in handy. Also, keep the following with you –

  • JCPenney card account number
  • Your Social Security Number (SSN)
  • Taxpayer Identification Number (TIN)
  • 3-digit security code from the back of your credit card
  • A valid email address

How to activate your JCPenney card online?

To begin using your new card from JCPenney, you need to verify your card information. This will ask to enter the account holder’s information in order to go through the JCPenney Credit Card Activation.

To verify and activate your JCPenney Credit Card online –

  • Visit the Official JCPenney page.
  • Log on to the portal by entering User ID and Password.
  • If you have an existing account or click “Register” to create a new account to activate your card.
  • Enter the number on the front of your JCPenney card and click “Next.”
  • Then, enter your date of birth, the last four digits of your Social Security Number, or your mother’s maiden name.
  • Now, log on to your online account.
  • Click on Activate.
  • Now, your card will be activated.

How to activate your JCPenney card over the phone?

If you can’t activate your card online, then even you can take benefits from the credit card. You need to activate your JCPenney card through your phone.

JCPenney Credit Card Activation by your phone requires calling the number on the back of your card; a toll-free number.

To verify and activate your JCPenney Credit Card by phone –

  • Call the toll-free number – 1-800-542-0800
  • Once connected, ask them for the card activation.
  • Now, provide information including your card number, date of birth, and social security number.
  • Key in all the information using your phone’s keypad.

This process is straightforward and should not take too much of your time and you will have your card activated.


Hopefully, this information will be good enough for you to activate your JCPenney Credit Card online or by phone.

If you want to give your feedback or have any queries or questions, please write us below.

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Frequently Asked Questions

What bank does JCPenney use for credit cards?

The JCPenney Credit Card is issued by Synchrony Bank.

What credit score do you need for a JCPenney credit card?

The JCPenney Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the JCPenney Credit Card.

Does JCPenney credit card have a grace period?

Yes, You have 23 days after the close of your JCPenney billing cycle to make a payment without interest or late fees.

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