- You can cancel your JCPenney credit card by calling Credit Services at 1-800-542-0800. Similarly to closing other credit cards, this will likely have an impact on your credit score. You might want to think twice before doing so, especially since this card does not charge a yearly fee.
You can close your JCPenney account by mailing or delivering a written request to:
JCPenney Customer Service, PO Box 931210, El Paso TX 88593-1210. Please include the following information in your letter: full name and address; date of birth (for joint account holders); all credit card numbers you have with us *; Social Security number (SSN) for SSN/EIN accounts only (if applicable); outstanding balance on your account(s)*; the date you last shopped with us*; reason for closing your account(s); and bank routing number and checking or savings account number for direct deposit refunds. If you are requesting a refund check, please mail the letter to JCPenney Customer Service, PO Box 931210, El Paso TX 88593-1210.
Contacting you by phone is an important part of our customer service efforts and a necessary business practice to ensure the accuracy of the information you provide us. Therefore, including your home telephone number in writing may restrict your ability to close an account without speaking with someone first. If you prefer to not include your phone number in writing, please contact 1-800-322-1189 (1-888-814-5989 for TDD/TTY) Monday through Friday from 6:00 am – 11:30 pm CST or on Saturday from 7:00 am – 9:00 pm CST or Sunday from 9:00 am – 9:00 pm CST and we will do our best to accommodate your request.
As a reminder, you are always welcome to call us directly at 1-800-322-1189 (1-888-814-5989 for TDD/TTY) or visit a branch office if you prefer discussing the closure of an account in person. You may also consider using Online Banking to update your personal information.
We’re sorry that you would like to close your JCPenney Rewards account. We will remove it from our system as requested by you. Please call JCPenney Customer Service at 1- 888-JCP-RWDS (1-888-527-7937).
You can cancel a credit card without harming your score, but you should pay down the card’s balances before cancelling. When closing a credit card, it will not impact your history and have an effect on your credit in general.
You cannot use your JCPenney Credit Card for cash transactions. The card is not designed to be used as a line of credit, which is fortunate since doing so is costly.