All info comes from JCPenney , which is subject to change according to their updates. Terms and Conditions may apply.
I like that when I use this card online or in the store, I receive points. I've had the card for about 7 months. The application process was very easy and I was approved on the spot and received a good discount (20%) on the purchase I was making at the time. I do feel that the interest is a bit high compared to other normal cards, but the minimum payment is very low. So far I have not had any problems with their customer service. I think their online banking site design is somewhat archaic compared to the larger banks like Bank of America, Discover, and especially American Express. But I enjoy receiving coupons in the mail now that I am a registered customer. They have great deals and many of them are tied to the use of the card, so there are definite benefits to using the card on purchases at the store. I like how easy it is to shop online using the credit card, and I have it linked to my rewards account. In my opinion, there are a lot of perks to using the card, and it's great that there is no annual fee.
NEGATIVES: Too many fees and too high interest rate. POSITIVES: Good limit on my credit $2,500.00 and I have had this card for years and never had an issue with processing payments, I don't use the online payments because they charge a processing fee. I have always paid with money orders through the mail. Overall they are terrible for people that can afford to carry this card.