Pay your JCPenney credit card through the JCPenney website or the Synchrony mobile app
You can make a payment on your JCPenney credit card by logging into your account at jcpenney.com, navigating to the credit card section, and selecting the payment option. The other main route is the Synchrony mobile app (Synchrony is the bank that issues the JCPenney card), where you can also set up automatic payments. Both methods let you pay from a checking or savings account, and payments typically post within one to two business days.
You do not need to be a JCPenney shopper to have a JCPenney credit card account — many people hold the card for the rewards and discounts. Regardless of how you use the card, the payment process is the same whether you pay online, by phone, or by mail.
Key Takeaways
- Log into your JCPenney account at jcpenney.com, go to Account or Credit Card, and select Make a Payment to pay online.
- read the Synchrony mobile app and log in with your card details to pay from your phone or set up automatic monthly payments.
- You can pay from a checking or savings account; credit card or debit card payments are not accepted for credit card bills.
- Payments usually post within one to two business days, so plan ahead if your due date is coming up soon.
- If you cannot access your online account, you can call the customer service number on the back of your card to make a payment by phone.
Steps to pay through JCPenney.com
Go to jcpenney.com and click on Account in the top right corner. Sign in with your email address and password. If you do not have an online account yet, you will need to create one by entering your card number, ZIP code, and other identifying information.
Once you are logged in, look for Credit Card or Account Settings. Click on the option to view your credit card account or make a payment. You should see your current balance, minimum payment due, and due date. Select Make a Payment or Pay Now.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method — you will be asked to provide your checking or savings account number and routing number. Review the details and confirm the payment. You will receive a confirmation number on screen; save or print this for your records.
Steps to pay through the Synchrony mobile app
read the Synchrony app from the Apple App Store or Google Play Store. Open the app and tap Sign In. Enter your card number and the password you use for your Synchrony account (this may be different from your JCPenney.com password).
Once logged in, tap the card you want to pay. You will see your balance and due date. Tap Make a Payment. Enter the amount and select your bank account as the payment source. You will need to provide your routing number and account number if this is your first payment through the app.
Review the payment details and confirm. The app will show you a confirmation number and the expected posting date. If you want to avoid making this payment manually each month, you can set up automatic payments in the app by going to Settings and selecting Auto Pay.
What bank account information you need
Whether you pay through JCPenney.com or the Synchrony app, you will need to provide your bank account details. Have your checking or savings account number and your bank's routing number ready. You can find your routing number on the bottom left of your checks, or you can call your bank to ask.
Do not use a credit card or debit card to pay your JCPenney credit card bill — the payment system only accepts bank account transfers. This is standard for credit card payments and helps prevent circular debt.
How long payments take to post
Payments made online or through the app typically post to your account within one to two business days. This means the money leaves your bank account right away, but your JCPenney credit card balance may not update when ready. Weekends and holidays can add an extra day.
If your payment due date is within the next few days, do not wait until the last day. Make your payment at least three business days early to be safe. If you are cutting it close and worried about a late fee, call the customer service number on the back of your card — a representative can sometimes note that a payment is in progress.
Setting up automatic monthly payments
Automatic payments save you from having to log in each month. Through the Synchrony app, go to Settings, select Auto Pay, and choose your payment amount and due date. You can set it to pay your full balance, your minimum payment, or a fixed amount each month.
You can also set up automatic payments by calling the number on the back of your card and speaking to a representative. They will ask for your bank account information and confirm the amount and date. Once automatic payments are active, you can still log in and make extra payments anytime without affecting the automatic payment schedule.
What to do if you cannot log in
If you forget your password, click Forgot Password on the JCPenney.com or Synchrony login page. You will be asked to verify your identity using your email address or phone number, and a reset link will be sent to you. Follow the link and create a new password.
If you still cannot access your account, or if you do not have an online account set up yet, call the customer service number on the back of your JCPenney credit card. A representative can verify your identity and process a payment over the phone using your bank account information. This option is available 24/7.
Frequently Asked Questions
Can I pay my JCPenney credit card bill with a debit card or another credit card?
No. The payment system only accepts transfers from a checking or savings account. Paying a credit card with another credit card creates a cash advance, which carries higher interest rates and fees. Use your bank account instead.
What if my payment is late?
Contact the customer service number on the back of your card as soon as you realize the payment is late. A representative may be able to waive a late fee if this is your first missed payment or if you have a good payment history. The sooner you call, the better your chances.
Do I need a JCPenney.com account to pay my credit card?
You do not need a JCPenney.com account if you use the Synchrony app or call to pay by phone. However, creating a JCPenney.com account gives you another way to track your balance and make payments online, and it takes only a few minutes.
Can I pay more than my minimum payment?
Yes. You can pay any amount between your minimum payment and your full balance. Paying more than the minimum reduces your interest charges and helps you pay off the card faster. There is no penalty for paying early or paying extra.
Why is my payment showing as pending instead of posted?
Payments typically take one to two business days to post. During this time, the money has left your bank account but your credit card balance has not yet updated. If more than two business days have passed, contact customer service to confirm the payment went through.