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Welcome to the JCPenney Credit Card Application

 

Please take a moment to tell us about yourself by completing the application below. Once you have completed the application:

  • Click the I accept button and the application will be processed immediately. You will receive a response as to the status of your application in as little as 30 seconds! For your protection, your application information will be encrypted.

      OR

    Synchrony Bank
    P.O. Box 628048
    Orlando, FL 32862-9048
    Fax: 1-407-788-4057  

    If you live in Puerto Rico or U.S. Virgin Islands please mail it to:
    Synchrony Bank
    P.O. Box 364788
    San Juan, PR 00936-1788

 

We currently accept applications online during the following hours:

  • 7:00 a.m. to 3:00 a.m. Eastern Time on Mondays through Saturdays or
  • 7:00 a.m. to 12:30 a.m. Eastern Times on Sundays

**Please note that residents of Wisconsin, Puerto Rico and Maryland are not permitted to apply on-line, you should print the Print Only Application and then mail it to us for processing** Unfortunately, at this time, non-US residents are not permitted to apply for the card. If you live in Puerto Rico or U.S. Virgin Islands or have a APO/FPO address, please print the application and mail it for processing.

 
Applicant(s) please read the following ­ (1) Married applicants may apply for separate Accounts. After credit approval each Applicant shall have the right to use this Account to the extent of any credit limit set by the creditor and each Applicant will be liable either individually or together as we shall determine for all amounts of credit extended under this Account to any Applicant or Authorized User. (2) For Married Wisconsin Residents Only: If you are applying for an individual Account combine your financial information below.
 
 

APPLICANT INFORMATION

Please do not use the following characters in any fields below: (# $ , . ' - & )
First Name:
Middle Initial:
Last Name:
Street Address:
(Applications with P.O. Boxes can not be processed)
Apartment Number:
City:
State:
Zip Code:
Country:
Social Security Number:  - -
Date of Birth:
(MMDDYYYY Format)		 / /
Home Phone with Area Code:  ( ) - -
Business Phone with Area Code: ( ) - -
Email Address:
(Optional) 
By providing my e-mail address, I consent to receive e-mail communications about my account and authorize you to provide my e-mail address to JCPenney so I can receive special offers and updates
Do you: Own Your home
Rent
Other
Years you have lived at current residence: 
Months
Previous Address:
(only if at current residence less than 1 year)
Previous Apartment:
Previous City:
Previous State:
Previous Zip :
Annual Income From All Sources : * $ .00 (Whole dollar amount, no commas)
Driver License Number:
(or State Issued ID)
Driver License State:
Driver License Exp.Date:
(MMDDYYYY Format)
**(Alimony, child support or separate maintenance income need not be disclosed unless relied upon for credit.)
 
CREDIT INFORMATION
 
    Y N
(Check all that apply) Checking Account
Savings Account
  MasterCard
Visa
 
STATE NOTICES:

State law requires us to give you the following notices:
 
FOR WISCONSIN RESIDENTS ONLY

WISCONSIN RESIDENTS: No provision of a marital property agreement, a unilateral statement under Sec. 766.59, Wisc. Stats., or a court decree under Sec. 766.70 Wisc. Stats., adversely affects the interests of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse obligation when the obligation to the creditor is incurred. Wisconsin law requires that we ask married residents of Wisconsin who are applying for individual credit to provide us with their spouses name and address. Please provide this information to us on or with this application.

We are required to ask married residents of Wisconsin who have applied for individual credit to give us the following information:

SPOUSE INFORMATION

First Name:
Middle Initial:
Last Name:
Address:
City:
State:
Zip Code:
 

By submitting this application, I ask that Synchrony Bank (“you”) issue me a credit card. I am providing this information both to you and to JCPenney. I also authorize and direct you to furnish information about me (including whether this application is approved or declined) and, if approved, information about my Account, to JCPenney (and its affiliates and licensees) for use in connection with the JCPenney Credit Card program, including to create and update their customer records for me, to assist them in better serving me, and to provide me with notices of special promotions, catalogs and tailored offerings. I understand that if I qualify for a credit card, you may open an account for me depending on my creditworthiness as determined by you. I affirm that the information I have submitted is complete and truthful and that my account will be used only for personal, family and household purposes. I authorize you to make inquiries you consider necessary (including requesting reports from consumer reporting agencies and other sources) in evaluating my application, and subsequently, for purposes of reviewing, maintaining or collecting my account. Upon my request, you will advise me of the name and address of each consumer reporting agency from which you obtained a report. I also understand that the credit card agreement will govern my account, the terms of which are hereby incorporated by reference into and made a part of this application and that my submission of this application represents my acceptance of the Agreement. I understand that there is no agreement between us until you approve my application, and that if approved, our Agreement will be deemed to have been made in Utah. I understand that I may apply for my own Account regardless of my marital status.

I ALSO UNDERSTAND THAT THE AGREEMENT CONTAINS AN ARBITRATION PROVISION WHICH MAY SUBSTANTIALLY LIMIT MY RIGHTS IN THE EVENT OF A DISPUTE, INCLUDING MY RIGHT TO LITIGATE IN COURT OR HAVE A JURY TRIAL, DISCOVERY AND APPEAL RIGHTS, AND THE RIGHT TO PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF A CLASS ACTION. I MAY REQUEST THE CODE OF PROCEDURE, RULES AND FORMS OF THE ARBITRATION ASSOCIATION I SELECT BY CALLING THE TOLL FREE NUMBERS LISTED IN THE AGREEMENT.

NOTICE TO APPLICANT(S): (A) DO NOT SUBMIT BEFORE YOU READ THE PREVIOUSLY SHOWN AGREEMENT OR IF THE AGREEMENT CONTAINS ANY BLANK SPACES. (B) YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THE AGREEMENT. KEEP A COPY OF THE AGREEMENT TO PROTECT YOUR LEGAL RIGHTS. (C) YOU MAY AT ANY TIME PAY OFF THE FULL UNPAID BALANCE UNDER THE AGREEMENT WITHOUT INCURRING ANY ADDITIONAL CHARGE.

To find out about changes in the terms and conditions of the agreement, write to us at P.O. Box 103014, Dept. 72, Roswell, GA 30076-9835.

 

BY SUBMITTING AN ONLINE APPLICATION, YOU AGREE TO THE CONSENT TO ELECTRONIC COMMUNICATIONS AND THE CREDIT AGREEMENT AND CREDIT TERMS AND ACKNOWLEDGE THAT YOU HAVE PRINTED OR DOWNLOADED A COPY OF THEM FOR YOUR RECORDS.



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