How to Pay Your JCPenney Credit Card Bill Online or By Phone

Having a JCPenney credit card makes shopping at the department store quick and rewarding. But you still need to pay your bill on time each month. What are the best ways to pay your JCPenney credit card bill online, through the mobile app, by phone, or by mail? Here’s an overview of how to pay your JCPenney credit card bill.

Pay Your JCPenney Card Online

The fastest and most convenient way to pay your JCPenney credit card bill is online through your account. Here’s how to pay online:

1. Go to wwwjcpenney.com and click on “My Account”

2. Click on “Pay Bill” under your JCPenney credit card account

3. Log in with your username and password

4. Select whether to pay minimum full balance or a custom amount

5. Enter your bank account details to pay

6. Review payment details and submit

Your online payment will post to your JCPenney credit card account immediately after being submitted. Paying online allows you to also view your balance, due date, recent charges, and more.

Pay Through The Mobile App

In addition to the website, you can download the JCPenney app on your iOS or Android device to manage your credit account and pay your bill on the go.

To pay your bill through the JCPenney app:

1. Tap on “Account”

2. Select your JCPenney credit card

3. Tap on “Make Payment”

4. Choose payment amount and method

5. Review and submit payment

The app also lets you view your statement, enroll in autopay, set up alerts, and more.

Pay By Phone

If you prefer to pay your JCPenney credit card bill over the phone, call 1-800-543-3803. This is JCPenney’s automated account management line.

To make a payment by phone:

1. Call 1-800-543-3803

2. Enter your 16-digit credit card number

3. Press 2 for “Make a Payment”

4. Follow prompts to pay minimum, full balance, or custom amount

5. Enter debit/credit card details for payment

Your payment will typically process the same day over the phone. This option is best if you prefer speaking with an agent or don’t want to log into your account online.

Pay By Mail

You can also mail a payment to:

JCPenney Credit Services
P.O. Box 965007
Orlando, FL 32896-5007

Be sure to include your JCPenney credit card account number on the check or money order. Do not mail cash. Payments by standard mail take 7-10 days to post, so mail your payment at least 1 week before your due date to avoid late fees.

Avoid Late Fees

Make your JCPenney credit card payment on time each month to avoid a late fee. JCPenney’s late fee is up to $40 so you don’t want your payment to arrive past the due date.

Pay online for instant processing or via phone to ensure same-day posting. If mailing a check, allow additional time for delivery and processing to avoid late fees.

Payment Posting Timeframes

Here are the typical payment posting timelines for each pay option:

• Online payments – Instantly posted upon submission

• Mobile app payments – Instantly posted when submitted

• Phone payments – Posted same day after call

• Mail payments – Take 7-10 days to post so mail early

As long as your payment is received and processed by the due date, your account status will remain in good standing.

Confirm Payment Details

After submitting your JCPenney credit card payment through any method, log into your account online or via the mobile app to confirm payment details.

You can view your recent payment amount, date paid, and confirmation that your account is current. Checking your account ensures your payment went through as expected.

Enroll In Auto Pay

For hassle-free payments, enroll in Auto Pay through your JCPenney credit account. This automatically deducts at least your minimum payment each month on your due date.

To set up Auto Pay:

1. Log into your JCPenney account

2. Click on “Auto Pay Program”

3. Enter your bank account information

4. Review and submit request

Your payments will now be made every month on your scheduled due date without any effort needed on your part. Just ensure your linked bank account has enough funds when payments are made.

Get Payment Help If Needed

If you have any issues making an online payment or questions about your JCPenney credit card bill, you can call 1-800-543-3803 for assistance.

The JCPenney customer service team can help with:

• Online payment troubleshooting
• Resetting your online account password
• Questions about your statement
• Other billing or payment inquiries

Don’t hesitate to call them for payment help whenever needed.

Pay Your JCPenney Credit Card Bill Online For Convenience

As you can see, JCPenney offers their cardholders plenty of options to pay bills digitally online, through their mobile app, by phone, or by mail. Pay online for fastest processing or use the automated phone system. Just remember to pay your bill by the due date to avoid late fees.

Manage your JCPenney credit account conveniently on the go through their mobile app. Or enroll in Auto Pay to have payments made automatically each month. Pick the payment method that suits your needs to pay your bill in just a few quick clicks.