Getting Jcpenney Removed From My Credit Report When I Wasn’t The Credit Card Owner
Hi, I am working on getting my credit score up because I’m planning on applying for a a car loan soon. I got a few credit cards which I have been lucky enough to raise my score from 546 to 575 in just 3 months. with each payment, it seems that my credit score goes up. One card is Express for $250 limit and has $200 charged to it. Onestopplus.com credit card is a $250 limit and I just recently paid the balance off on it to $0. The last one is Fingerhut/Web bank and it started at $600 and I only charged $169 to it and have paid it down to $100 by making double the minimum due. I am in their good graces so they have increased my limit to $1200 which is doubled. Which really helps my utilization.
So, what should I do here? She has since filed bankruptcy due to health problems and no longer hs the JcPenney card and makes no payments on the card. The Card is showing all paid as agreed from 2007-July 2013 but it is showing that I have ;a balance of $1936 of a $2600 limit which is really really killing me as far as utilization. So how do I go about getting this removed from my credit reports? I was never a card holder or had a personal card whatsoever like I mentioned. She had just gave me the card to me to use to buy a birthday gift and that’s it. She just added me temporarily for that day so I could make the purchase without her being there. FYI she had also removed me right after that, but the card was still reporting on my CR.
Send A Letter Requesting Card Account Closure Just To Be Sure
For added insurance , write a short cancellation letter to the card issuer. Request written confirmation of the accounts closure.
The letter should include your name, address, phone number and account number, and details from your earlier phone call. Also, state that you want your credit report to reflect that the account was closed at the consumers request.
Along with the letter, include the check number that you used to pay off your account balance.
Make a copy of the letter for your records. Send the letter via certified mail or with return receipt requested, so you can prove the company received your letter.
Ways On How Pay Your Jcpenney Credit Card
If you shop at JCPenney often, it might be a good idea to get a JCPenney . There are various benefits you can receive, such as 5 percent on purchases and options for financing large projects, which can help you save big on any home improvement jobs youre thinking about doing.
However, if you want to use one, you have to know how to pay your JCPenney credit card bill on time. Continue reading to find out the different ways you can make a credit card payment with JCPenney.
JCPenney credit card payments can be made in person, online, or via mail
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What To Do If Your Subscribed Directly On Jcpenney’s Website
Here’s how to cancel your JCPenney subscription when billed through a payments provider that is not the Appstore, Playstore or Paypal.
Sometimes, you may start a subscription directly on a company’s website without using an extra layer of security like Paypal or Apple. To unsubscribe, you might have to sign into JCPenney Shopping & Coupons’s website or directly reach out to the payments provider.
Generally, here are two steps you can take if you find yourself in that fix:
Alternatives To The Jcpenney Card
If youre looking to get more out of your shopping rewards than what JCPenney offers, you may want to consider a flexible general rewards card.;The Chase Freedom Flex and Chase Freedom Unlimited cards, for instance, could be worth looking into.;;
The Chase Freedom Flex offers;5% cash back on rotating quarterly categories and travel purchased through the Chase Ultimate Rewards portal, 3% cash back on restaurants and drugstores, and 1% cash back on all other purchases.
With the Chase Freedom Unlimited card, you also get up to 5% cash back on your purchases. Not sure which is best? Check out our full comparison of the two cards.
The Blue Cash Everyday® Card from American Express may also be a good option, since it offers several levels of cashback options. You get 3% cash back at U.S. supermarkets up to $6,000 a year, 2% cash back at U.S. gas stations and select U.S. department stores, and 1% cash back on other purchases.;
Unlimited Cash Back
- Has foreign transaction fee
- Earn a $200 cash back bonus after spending $500 in the first 3 months, plus earn 5% cash back on grocery store purchases
- 5% on travel purchased through Chase Ultimate Rewards, 3% on dining and drugstore purchases, and 1.5% on all other purchases
- Intro purchase 0% offer: 0% for 15 months then 14.99% to 23.74%
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Website & Jcpcom/rewards Profile
Sign in to www.jcp.com/rewards and go to “My Info” or “My Wallet”. Or in the JCPenney mobile application, sign in to your account and click on “My Wallet” or “My Info & Settings”. Enter your new information and click the “save” button.
We have physical, technical and procedural safeguards in place to secure the personal information we collect from you on jcp.com/rewards or through our mobile applications.
We’re sorry that you would like to close your JCPenney Rewards membership. Please call JCPenney Customer Service at 1- 888-JCP-RWDS . We’ll be happy to help you.
Will Canceling My Synchrony Credit Card Affect My Credit Score
Canceling your Synchrony card could affect your credit score. Because of that, you should consider:
- What you can do. Get another card. The new cards credit limit will lower your overall credit utilization, which should positively affect your credit score.
- What you can do. Wait until your loan is approved. After that, you can close your Synchrony card without affecting your loan conditions.
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Pay Off Any Remaining Balance
Pay off your credit card in full or, if you can find a balance transfer card with better terms, transfer the balance. You cant completely close a card until the balance is paid.
If you dont want any more charges accrued to the card until the balance is paid, you can contact the issuer and ask that the card be frozen until the balance is cleared and the card closed.
If you normally carry a balance from one month to another, you will need to pay the full statement balance two months in a row to wipe out the balance and stop further interest charges from accruing.
Why Did Gethuman Write How Do I Change My Name On My Jc Penney Credit Card
After thousands of JC Penney customers came to GetHuman in search of an answer to this problem , we decided it was time to publish instructions. So we put together How Do I Change My Name on My Jc Penney Credit Card? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting JC Penney if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.
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Heres What Happens If You Dont Use Your Credit Card:
- Nothing is likely to happen if you dont use your credit card for a few months, as long as you make bill payments for any recurring monthly charges.
- The credit cards issuer may decide to close your account after a long period of inactivity. There is no standard timeframe, but they will often send a notice in advance and give you a chance to use your card first.
- Some credit card rewards will expire after a certain period of account inactivity. Youll also lose any rewards youve yet to redeem when your account is closed.
- If the credit card youre not using has a $0 balance and is in good standing, positive information will be added to your credit reports each month the account stays open.
- Unpaid balances from before you stopped using the card will continue to accrue interest. If your balances have been paid in full, you wont have to send in any new payments.
- If your credit card charges an annual fee, not using the card wont get you out of having to pay. And if youre not getting anything out of a card that youre paying for, you might want to close it.
The bottom line is that not using your card can still be good for your credit. And its far better than using your card irresponsibly. So if you dont trust yourself to limit your spending, it may be wise to set your card aside until you have a necessary expense.
What happens to your credit score when you cancel a credit card?
Please Do Not Call 888
Are you looking for more information on you or a loved ones JCPenney life insurance coverage?
Maybe you purchased life insurance as a customer of JC Penney, or have life insurance coverage as a JCPenney employee, and want more info on the status of your policy?
If so, youve found the right article!
Today, Im going into detail about giving you all the information on how the JCPenney life insurance product works, how you can contact customer service, and how to purchase more life insurance coverage.
- Universal, and,;
- Variable universal life insurance, as well as coverage for private medical and dental needs.;
One of their most popular products was the final expense policy with a guaranteed cash value that allows beneficiaries to cover funeral and burial expenses.;
The guaranteed issue life insurance plan is now offered through Transamerica.
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How To Authorize Someone To Use Your Penney’s Credit Card
A person that you authorize to use your JCPenney account is referred to as an authorized user. This person can make charges on the account but cannot make changes to the account, request account information and is not responsible for repayment of debt accumulated on the account. In addition to having use of the card, the authorized user may receive a boost to his credit score as long as your JCPenney account remains in good standing.
Alternative Rewards Credit Cards
There are a number of other excellent rewards-based cash-back credit cards out there that would likely earn you more in value than the cards offered by JCPenney, and certainly with lower APRs initially.
Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.
For those of you who love to travel , consider one of the most popular travel cards out there the Chase Sapphire Preferred® Card.
|UP’s Bonus Valuation*:$2,000Must Reads: For more info on the Chase Sapphire Preferred, see our thoughts on its benefits and travel insurance coverage, which includes primary car rental insurance. Take a look at our full review to see why it’s one of our favorite cards.|
With this card, earn 1pt/$1 spent at JCPenney stores and outside of JCPenney, youll earn 2pts/$1 spent on ALL dining and travel purchases.
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How Rewards Are Issued
Once a rewards member reaches 200 points, a $10 rewards certificate is issued.;There is no limit to the number of $10 rewards certificates that an individual can earn.
In-store: A reward certificate is available almost immediately after earning it, and it can be used toward the next transaction anytime thereafter.
Online: If you have a valid email address linked to your rewards program account, you will receive your certificate via email. You can also access your certificate in your online rewards account portal or through the mobile app. They usually take about 24 hours to appear.
If there is not a valid email address on file with your rewards account, the certificate will be sent by U.S. mail, which usually takes about 3-4 weeks after the reward is earned.
Additionally, for JCPenney cardholders, rewards are included on their respective billing statement.
Old Credit Is The Best Credit
The age of a credit card account is also an important consideration. The time an account has been open is a factor in credit scores, Griffin says. A longer positive history is beneficial to credit scores. So, closing an older account in theory could have a more negative impact.
How negative? Theres no single answer, Griffin says. Credit scores weigh everything in a persons credit history in relation to each other. So, for one person, closing an older account can represent higher risk than it does for another person solely because of the unique nature of their overall credit histories.
If you are young and have a short credit history, closing the account could hurt your overall credit score more than if you were someone in their 50s who has a much longer credit history. As stated earlier, closing the account doesnt wipe that account history off your report, so if you open a new credit card with more attractive terms to replace the card youre canceling, your credit score wont take a big hit.
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Pros And Cons Of Cancelling A Credit Card
Before you can make an informed decision about whether to close a credit card, you need to understand the pros and cons of doing so.
There are a couple reasons to keep a paid-off account open. These include the following:
- Maintains your credit score:;By far, the most important reason to keep an account open is to protect your credit score. We’ll talk more about this in a minute.
- Keeps access to perks and rewards:;Once you cancel an account, you lose access to all the perks that come with it, and once an account is closed, you may not be able to reopen it. Depending on the terms of the card, you may also lose any accumulated rewards.
- Provides payment options:;Even if you don’t need the credit card now, keeping the account open gives you more options for future purchases.
On the other hand, there are certain times when it may be best to let a card go. These include the following scenarios:
Why Canceling A Credit Card Could Hurt Your Credit Score Temporarily:
One way canceling a credit card account could hurt your credit score is if it reduces the amount of credit that you have available and thus increases your overall . Keeping utilization low is key for a good credit score. So closing a high-limit credit card account will hurt your score more than closing a low-limit account, all else being equal.
Another way canceling a credit card account could hurt your credit score is if it brings down the average age of your accounts. That can make it seem like your credit history is shorter than it really is. Closing one of your oldest accounts will lead to more credit score damage than closing a newer one.
Plus, youll have one fewer account reporting positive information to the credit bureaus each month, assuming the credit card you cancel was in good standing.
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How To Call Synchrony To Cancel
When you call in to cancel your Synchrony card, expect to hear new offers that can include a lower APR, an interest-free period or other bonus. If the offers sounds good, you may want to consider closing a different card and keeping your Synchrony card.
To cancel your card, decline any offers you get and be ready to:
- Report your credit card and account information.
- Explain why you want to close your Synchrony card, even if its simply I dont want it anymore.
- Write down the representatives name and ID as a record of your call.
When ready, call the number on the back of your card or 1-877-295-2080.