How do I Cancel My JCPenney Credit Card?

If you’re looking to cancel your JCPenney Credit Card, there are a few things you should know. Canceling your credit card can have an impact on your credit score and other financial records, so it’s important to make sure that you understand the implications of canceling before you take the plunge.

In this article, we’ll discuss the steps to take when canceling a JCPenney Credit Card, as well as other things to consider before you do.

We’ll also provide some tips on how to avoid potential financial impacts after canceling your credit card.

How do I cancel my JCPenney Credit Card?

If you want to cancel your JCPenney Credit Card, you can follow these simple steps:

  1. Make a Call: Pick up the phone and call. Say you want to cancel your JCPenney Credit Card. Remember, they are there to help you from 7 in the morning to midnight, Monday to Friday.
  2. Check Your Account: After you call, keep looking at your account for 90 days to make sure it gets closed. If they give you a special number when you close the account, write it down.
  3. Password Safety: Take away your JCPenney password from where you keep all your passwords. This helps keep your information safe.
  4. Cut Your Card: Use scissors to cut your JCPenney Credit Card into little pieces so nobody else can use it.
  5. Family Cards: If someone in your family has a JCPenney card linked to your account, cut that card up too.
  6. Rewards Program: If you’re part of the JCPenney Rewards program, call 1-888-JCP-RWDS to say you want to leave the program.
  7. Take Notes: Write down the names of the people you talked to and what they told you. This is good to have just in case you need it later.

FAQs – People Also Ask

Q1: Will my JCPenney credit card cancel if I don’t use it?

Ans 1: Your JCPenney Credit Card will not automatically be canceled if you do not use it. The best way to ensure that your account is closed is to call customer service and request that they close the account for you. If you do not use your card, you may still be liable for any fees or charges accrued on the account.

Q2: How long does it take to close a JCPenney credit card account?

Ans 2: The time it takes to close a JCPenney Credit Card account depends on how quickly customer service is able to process your request. Generally, the process can be completed within a few days of your call.

Q3: Can I cancel my JCPenney credit card without calling customer service?

Ans 3: Unfortunately, you cannot cancel your JCPenney Credit Card without contacting customer service.

Q4: What happens to my balance when I cancel my JCPenney credit card?

Ans4: When you cancel your JCPenney Credit Card, any remaining balance on the account must be paid off. If there is a remaining balance after the account has been closed, you will continue to be liable for any interest and other fees that accrue on it until it is paid off in full.

Q5: Does closing a credit card hurt?

Ans 5: Closing a credit card can have an impact on your credit score and other financial records, so it’s best to consider the potential financial impacts before closing a card.

Q6: What is the phone number for JCPenney credit card cancellation?

Ans 6: The phone numbers for JCPenney Credit Card cancellation is 1-800-542-0800 & 1-888-527-7937.

Q7: Is it better to close a credit card or let it go inactive?

Ans 7: It depends on your situation. If the card has an annual fee, you may want to weigh the cost of keeping the card against the potential impact on your credit score from closing it. 

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