Payments - JCPenney Credit Card

Payments – JCPenney Credit Card

How can I pay my bill?
You may pay your bill by mail, at any JCPenney department store or online through the JCPenney Online Credit Center.

To mail your payment:
Please mail check or money order to:

P.O. Box 960090
Orlando, FL 32896-0090

To pay in store:
Present a check, money order or cash at any JCPenney department store. Visit the online JCPenney Store locator to find the store nearest you.

To pay online:

You may make a payment through the JCPenney Online Credit Center (log in and select “pay your bill online” from the navigation bar). Login to your JC Penney credit card online account. Manage your credit card online.

What should I do if my payment has not been posted?
If your payment was made by mail, please allow 7-10 days from the mailing date for your payment to be processed.

If your check has been cashed and it is not showing as posted, please mail a copy of the check, front and back, to the following address:

JCPenney Credit Services
P.O. Box 965006
Orlando, FL 32896-5006

For cardholders residing in Puerto Rico or U.S. Virgin Islands, send it to:

JCPenney Credit Services
P.O. Box 364788
San Juan, PR 00936-4788


If your payment was made electronically, please check with your electronic payment provider.

Can I get my payment due date changed?
JCPenney Credit Services will work with you to change your due date. Simply contact JCPenney Credit Service.  Login to your account.

A payment posted on my account was in error. What should I do?
If your statement shows that your payment was received, but it is for a different amount than you sent, please accept our apology for any inconvenience this may have caused. In order to correct any difference in the amount that should have been credited, please send bank verification to the following address:

JCPenney Credit Services
P.O. Box 965006
Orlando, FL 32896-5006


How can I inform you of a payment that I recently sent or will soon be sending?
To notify us of a payment that you recently sent or will soon send please call or login to your account and send us a secure message with the detail of your payment. This notification can also be done by phone.

Pay My Bill

Can I make a payment online?  Yes, for your convenience, click on pay your bill online.  You cannot however make a recurring payment online.

How long does it take for an online payment to post to my account?
The scheduled payment date must be at least one day later than today’s date. Payments may take up to 3 days to post to your account. Payments will be applied to your account as of the scheduled payment date.  Manage your account online.



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