JCPenney Pay My Bill – Online, By Mail, In Person

JCPenney is one of the oldest department stores in the U.S. The clothing store, housewares, and brand retailer has been in business for more than 110 years. Now, it employs over 100,000 team members around the world and has 875 stores in the United States. If you are a JCPenney shopper, using the JCP credit card makes shopping easier.

JCPenney Pay My Bill: How to Create an Account

Before you can make a JCPenney credit card payment, you need to first access your account online. To credit a JCP account online, access one of two ways.

  • Visit and scroll down to ‘JCPenney credit card’ at the bottom of the page. Click ‘Pay Bill.’ Credit Card

  • You can also access the site at

Now it is time to register for online access to your credit card. Click on ‘Register’ to get started. Registration

  • Verify your account number
  • Enter your name as it’s listed on the card
  • Create a username and password.

Once you register credit card account, you can begin making online payments for your JCPenney credit card.

How to Pay Your JCPenney Credit Card Bill

JCPenney Pay My Bill Online

Once you sign up for online account access, you can now make your JCP credit card payment online.  Enter your user ID, and click ‘Secure Login.’ Login

You can choose to pay either your total minimum payment due, last statement balance, or another amount.

The site gives you 2 ways to pay your JCP credit card payment:

  • One-time payment

One-time payments are made on the day you log in to pay. Enter the amount you wish to pay, select today’s date, and choose your payment source, which must be a valid checking account.

  • Scheduled payment

If you don’t want the payment applied the same day, schedule a payment for a later date or on the due date. The date you choose much be on or before your billed due date.

At this time, you cannot set up recurring automatic payments for your JCP credit card.


To mail a payment, include your account number on your payment and include either the remittance slip or a paper that states your name, account number, and amount paid. Mail your JCPenney credit card payment to:

PO Box 960090
Orlando, FL 32896-0090

Allow 5 to 7 days for processing.

In Person

You can pay your bill while shopping at any of the JCPenney locations across the US. Cash, money order, and check are accepted to make a credit card payment. To find the nearest JCPenney near you on the map.

JCP Credit Card Payment FAQs

  • You can use your JCPenney credit card before it arrives in the mail as long as you have a valid photo ID at the time of your purchase.
  • It can take up to 10 days to receive your card.
  • You need to call and active your JCPenney credit card when it arrives. Directions are printed on the label on your card.
  • You must call JCPenney Credit Service to change your due date.

Any questions, concerns, or inquiries about your JCP credit card must be directed to 1-800-527-44-03. You can speak with a customer service representative Monday-Friday from 7 am EST to midnight, and Saturday and Sunday from 9 am to midnight.

If you prefer to write a letter, address it to:

JCPenney Credit Services
Customer Service ℅ SYNCB
PO Box 965009
Orlando , FL 32896-5009

JCPenney Credit Card Payoff Calculator

Find out how many months you will need to pay off your credit card.

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