How to Cancel JCPenney Credit Card?

JCPenney credit cards are famous for being secured and backed by Synchrony Bank, no annual fee, good welcome bonuses and an attractive rewards program but any customer could have a change in their financial circumstances and decide how to cancel JCPenney credit card immediately. 

The only way to how to cancel JCPenney credit card 

How to cancel JCPenney credit card by phone – 

Pre cancellation – 

To make the cancellation process quick, follow the below pre-cancellation steps to save you time. 

1. Don’t keep any outstanding balance credit due on your JCPenney credit card. The balance due amount will cancel your credit card termination request automatically. 

2. Keep your account, phone and credit card number handy. You might have to verify your identity with your social security number. 

3. If you have registered your credit card for any recurring auto payments, make sure to unregister your credit card before cancelling it. All your payment requests will be declined automatically after your credit card is cancelled. 

Cancelling JCPenney credit card by phone – 

1. Connect with the customer service at 1(800) 527-4403 / 1(800) 322-1189 

2. Follow the recordings and enter your card number, and your social security number and say “Cancel credit card”. 

3. Now the automated system, will connect you with customer service to discuss this further 

4. State your reason for cancellation and the customer service rep will help you solve the issue. 

If the cancellation reason is a budget issue from your side, the customer staff will offer you a better bargain or downgrade your card to suit your budget. 

By Email – 

You could also raise a cancellation request for your JCPenney credit card by emailing them to support@jcp.com. Make sure the body of your email reads “Requesting credit card Cancellation. 

Wait until you get a direct response from their customer service to serve your purpose. 

Cancelling your JCPenney credit card will decrease your credit score. As an alternative you can always settle with options like downgrading your credit card, decreasing your credit limit, freezing your credit limit, switching to a different credit card from the same company, etc. 

Post successful credit card cancellation don’t forget to destroy your credit card to ensure not any misuse of your information on the card. 

How to cancel a JCPenney credit card online? 

Unfortunately, the bank allows customers to cancel their credit cards only through the phone. The lender forbids their users from terminating JCPenney credit cards online or in person. 

How to cancel a JCPenney credit card YouTube Video

Can I redeem my rewards after cancelling my JCPenney credit card? 

Once your JCPenney credit card request is approved, your unused rewards will lapse automatically. Hence one should always redeem their cashback rewards before cancelling their credit cards. 

What happens if I don’t use my JCPenney Credit Card? 

JCPenney credit card has zero annual fees, so not using it shouldn’t harm you in any way but rather build your credit. 

However, a lot of financial institutions have been closing credit card accounts with no activity. Hence it is advisable to use your credit card at least minimally or like once in 3-6 months to show some activity and you can again carry forward a zero balance for the next cycle. 

If your credit card has no transaction recorded for continuous 24 months, then the bank will close your JCPenney credit card account for inactivity. 

How do I delete my JCPenney account? 

Login to their JCPenney account through your registered email address and click “Compose” new email. 

Send an email stating your request and reasons to delete your JCPenney account and hit “Send”. You will see an email sent to support@jcp.com on their confirmation page. 

Bank processes and policies keep changing with time. Hence, calling their customer support number (i.e. 1(800) 527-4403/1(800) 322-1189) remains the most reliable way to delete your JCPenney account.