Seller: Synchrony Bank Product: Jcpenney Credit Card Clear all filters (0 of 76 reviews match)
I purchased a ring for my wife three years ago and they called a phone number at JCPennys they said I was aproved for $3000 and they had a three year no interest promotion, I said sure and handed phone back to Jewelry person. Never told me about having to pay it off in...
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Whose fault is that? What kind of jelly would put themselves on the hook for anything based on a random voice on the phone?

What kind of fool wouldn't pay a 3 year No Interest Loan (AKA 3 Years Same As Cash) in the first place? Yeah, this is your fault for not understanding what you said yes to. Secondly, it's your fault for not paying off this note in the first place. No reputable lawyer would touch this unless they just wanted to take your money.

YOU AGREED to this deal and failed. Thanks for the what not to do if you're an adult trying to conduct business post.

It will help others not do what you do. "You must work for them."

#1649487 Review #1649487 is a subjective opinion of poster.
Jcpenney Credit Card
  • Double my interest from the beginning of purchase
Reason of review
Interest payment scam!
Preferred solution
Take away the double interest I wasn't told about.
  • Utah Extortionists
As of this day forward, I am refusing to use/apply for ANY Synchrony Bank card. The 3 cards that I have under Synchrony accounts have had 0 balances for months and they decided to close my JCPenney's account that ALWAYS gets paid off as soon as the bill comes in??...
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You're actually lucky they canceled the card!! WARNING : CREDIT CARD IS NOT PENNYS IT'S SYNCHRONY BANK WITH PENNY LOGO ..

but Plz Plz RUN FAST & FAR from ""any"" store credit card backed by Synchrony Bank.. ~ seriously get out via written notification & cut the card up~ EXAMPLE Synchrony can & will slam you for around $1100 SURPRISE interest on a $1500 charge on a so called 0% deferred interest promo . Get the 0% picture out of your mind,,, it's a SUPER DANGEROUS FOR THE CONSUMER mind *** game, they play hard ball!!! ..

AND the contract few read & less understand but put their chicken scratch signature on anyway protects Synchrony not the consumer!!!! Why do you think they wrote it without any input from you other than your chicken scratch signature????? BOTTOM LINE "Deferred-interest promos" are the latest plague on the consumer credit system!!!!!!! Invented by corporations that know how to take advantage of consumers for maximum profit and all they need is an imaginary credit line some computers & 10,000 CSR's willing to suffer angry customers calls..

You have no idea how complicated these deferred-interest schemes are until you get bitten .. THE default penalty which can happen for any small reason is like being in a neighbor's yard & they let their Rottweiler loose on you because you did not get out of the yard in time & they won't bother to check if you got out cuz it's THEIR PLAYGROUND which in their mind gives them the legal right to be a heartless bully.. Your better off instantly transferring all ballance to a ""REAL"" Discover, Visa or MasterCard card offering a TRADITIONAL 0% promo to avoid potentially being trapped into a surprise!! surprise!!

surprise!! 35% interest Avalanche added to the original selling price of each product you purchase with the card.. YES unfortunately you're just another crab in a NASTY NASTY crab pot in the Synchrony 0% scheme when the CONTRACT behind the card finds a way for their legal team to open up a can of whoop *** on you & they Will all feast on your bank savings for dinner! AND can garnish your wages in some states to make sure they get a whole pie & yours for desert too..

Trust the community, look at the ratings, you can be very hurt if you don't. With non store credit cards you can call up near the end of their no trap door promotions & ask if they have extensions or new ones they're usually willing to sign you up which gives you plenty of time to pay it off without any retroactive knockout punch to your savings & credit rating from the deferred-interest promo credit card crooks

#1249528 Review #1249528 is a subjective opinion of poster.
Jcpenney Credit Card
Reason of review
Poor customer service

Contact Jcpenney Customer Service

Mailing Address:
JCPenney, Inc.
6501 Legacy Drive
Plano, Texas 75024
United States
(800) 322-1189
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