JCPenney Mastercard Password

PostNov 7th, 2005 | Comments (114)
I have a JCPenney Mastercard. (Don't ask why.) I wanted to check my current balance, and I was too lazy to go leaf through my stack of statements on the other site of the room, so I went to the JCPenney website to see if they had an online account area. Sure enough, they do. It shouldn't surprise me these days when credit card companies allow me to pay and view statements online, but I was still legitimately suprised. But while signing up for an account my happy surprise turned to incredulity.

They have the most ridiculous password selection limitations I have ever seen:



First off, I can't stand it when companies tell me what my password has to be. If I want my password to be "123," that should be my choice. Imposing a minimum eight-character limit doesn't create a more secure password. It's probably less secure. Because if you force someone to have an eight character password, chances are that person is going to choose an eight character password. If you give a person the option of choosing a password of any length, who knows how long that person's password is going to be?

Having said that, I'm used to sites (especially banks) forcing me to have a password that's at least eight characters. And I'm even used to the few sites that force me to throw in a number or two. But JCPenney takes it a step further and forces you to have at least two numbers in the middle of your password. Simply baffling.

JCPenney is definitely keeping their credit card site secure - secure from their own customers, because I'm sure as hell not going to remember the password they just forced me to create.

Comments

meNov 13, 2005
They just redesigned the site, it's all brand new. Keep a spreadsheet with all your passwords. It's hardly a hassle... you should not be using the same userID/passwords on any two sites anyway, which I have to think you're doing if you're not already tracking them.
Hugh E RootNov 14, 2005
I tried to create a password and couldn't get any thing to happen.
sprinterDec 8, 2005
if they let you put in 123 for a password and your account got hacked im sure you would be the first one to say the system was not very secure and it was them not you at fault
Jamie TibbettsDec 8, 2005
If someone uses 123 as their password, and their account gets hacked, their stupidity is to blame, not the system. Same as if the system requires an 8-character password, and someone chooses 12345678.

The system is there to provide password protection. It is up to the user to choose a secure password.
KITTDec 21, 2005
How do you get a JCPenney Mastercard anyway?
ctoddJan 1, 2006
I agree with the complaint from the poster about the absolutely ridiculous password nonsense JC Penney is using. It is so difficult and nonsensical I am going to cancel this card (as soon as I pay it off!). What's good enough for AmEx should surely be good enough for JC PENNEY!
carolynJan 7, 2006
Can't get online. This is my first time trying.
Maggie from MichiganJan 20, 2006
I originally registered my JC Penney card online and encountered no problems. Now that they upgraded me to a JC Penney MasterCard I have been unable to get back into my account. Unfortunately, my JCP MC is in Michigan and I am in Florida -- so I can't re-register, and my mail is taking 10-12 days to get forwarded to me in Florida. I am concerned my payments will be LATE and have no recourse but to find a JCP store in Florida in order to make timely payments! What a royal mess this JCP MC has turned out to be for me!
MYEJan 30, 2006
Hate to tell you this Maggie...but you can't make a payment with a JCP MC to an actual store...already tried it! It must be sent or paid on-line!
lolaApr 10, 2006
I agree that the "two numbers in the middle" is really getting a bit ridiculous, but my main problem with the site has been not being able to get onto the damn thing even after I've gone to that trouble. I've probably created 5 different username/password sets at this point because every time I go back to the site after creating one, it forces me to the "new user" screen yet again. I've about given up on the website, and if I can't get my account info online, I'm not sure I want to be bothered with the card at all.

Martha M ThompsonApr 14, 2006
Why oh why did I ever make this purchase.
I opened my account over 30 years ago. I never had this much trouble making a payment in all those years. A better site needs to be created in order to better serve your customers
TracieApr 25, 2006
The guy on the phone4 told me I could make my payment on line. I typed in the site listed on the bill (jcpenney.com) and was told it no longer existed!
TracieApr 25, 2006
Correction jcpenney mastercard.com was the site I was told no longer existed
ConnieApr 25, 2006
JC Penneys M/C no longer existed how do u make ur pymts on line? I am so done w/c jcpeddy!
Jamie TibbettsApr 25, 2006
Just go to JCPenney.com and click the "credit card" link at the bottom of the page.
andrea perreaultAug 20, 2006
I JUST WANT TO PAY MY BILL. they wont accept phone payments.
SandyDec 12, 2006
JCP card payments can be made online or in the store but not JCP Mastercard. JCP Mastercard has no affiliation with JCP except to have their logo on it. The mastercard comes in the mail and unless you call and say you don't want it, mastercard will issue you the JCP mastercard. The store has nothing to do with that process.
ZachDec 13, 2006
I have to admit, I have sought the ellusive JC Penney Mastercard since the early nineties -and STILL DO NOT have any idea how to apply or obtain one. I know they USED to exist, but Im not so sure now in 2006. It has to be by invitation only??!! I was issued the Gold "Preferred" card recently, I think I may be able to get the Platinum this next year ( I like and support JCP by shopping there a lot) and perhaps I can be upgraded to their Mastercard? I only know that several years ago, say in 1997, when JCPenney National Bank issued their OWN cards (before being sold to GE Money) their credit limits were MUCH MUCH more generous and the card as a whole was much better. Now, GE MOney is a Piece of Sh8t and I try to avoid all issuers that do use them - many, many private labeled cards nowdays. If anyone has conclusive info. on HOW to obtain or apply for the JCPenney MASTERCARD, Email me PLEASE. Thanks all. Zach
pennyJan 12, 2007
jcpenneymastercard.com is impossible to pay online. They are full of shit, I think they like you to be late to put more money in late fees in their pockets.
JaneJan 15, 2007
This message is for "Zach": You can't apply for a JCP MC - it's offered via direct mail to JCP PLCC (private label credit card) holders who haven't used their regular JCP card in a long time - ususally more that 18 months. It's a tool that GEMB uses to get long-inactives with good FICO scores to start spending money on one of their card products again. It's not something that you're "upgraded" to - the Platinum-level PLCC has the best benefits offered by the all the JCP credit cards.
Hope this helps.
GenaJan 22, 2007
I tried to make a payment and could not even create a password. this is B.S.
tgFeb 17, 2007
at browser type jcp.com Take first option then customer service at top of page then take my account at left.
lynn lucidoFeb 27, 2007
I was told that I could pay my bill on line and have tried all day to pay thru this link and have yet to get on as a new user. When I called the 800 # for help they said this link has had some problems. Please make it easier to pay a bill!!!!!
eileen wardmanMar 15, 2007
how in the world do you pay your cr. cd. on line. I have spoken to your rep. 3 times and thought I had paid my acct. I just received my statement and find you are charging me a late charge. how do you pay? EW
Jamie TibbettsMar 15, 2007
You don't think that I'm JC Penney, do you, Eileen? :\
JoeMar 22, 2007
Type jcpenneymastercard.com in Google. Look for JCPDUAL. a total of less than 2 mins to register and pay my bill last month and less than 45 seconds the last two payments made. Was always late by mailing I guess they never opened payments until after known due date.
mariaMar 26, 2007
please just direct me to my bill
MaynardApr 9, 2007
What's all the fuss? I can't even access the jcpenneymastercard.com website, guess they don't want my business or my money.
LIZZYApr 19, 2007
JCPENNEYS ARE A BUNCH OF SUCKERS - AFTER I PAY THEM OFF - I WILL CUT THEIR CARD UP. IT HAS BEEN 2 WEEKS AND THEY STILL SAY THEY HAVEN'T RECEIVED MY PAYMENT. CHU CHING - ANOTHER LATE FEE!!!!
MaggieApr 26, 2007
Does anyone else have trouble getting the jcpenneymastercard.com site to load? It seems to be offline most of the time, although I haven't tried it at 3 AM, maybe there is a wee window to access it then. No kidding, at least half the time the site won't load. You'd think a big company like JCP would do better with their online presence. :/
DaveMay 6, 2007
Thank heaven I found this thread. I thought I was the only one having problems with JCP. I have attempted 3 TIMES to satisfy my entire balance and nothing has happened. In addition I have a third party calling service calling numerous times a week asking when I would like to pay my bill!! WTF??!!
reed bowserMay 18, 2007
can not get on line to pay bill
auraMay 18, 2007
Why not make it easy to pay my bill!!!
demi pulosMay 29, 2007
if were willing to pay our bills why not let us do so easily.
OrangePianoMay 31, 2007
If you type www.jcpenneymastercard.com/ in your browser you will be redirected to: https://www.onlinecreditcenter2.com/consumergen2/login.do?subActionId=1000&clientId=jcpenney&accountType=dualcard&landingpg=9300 -- I tried to register a long time ago and it wanted my SS#! I've never had to enter my SS# for any other credit card website ever - not even for my banking! I chose not to register on their site for this very reason. I use my banking online payment service - NOT THE JCPENNEY WEBSITE - to make my JCPenny MC payments and I highly recommend that anyone else do the same if you have it available.
CharlotteJun 1, 2007
Who is the idiot that desighed this web site. The reason for computers is to have rapid correct info fast and get the job done. It takes forever to pay the bill. This is bs. Does jc penney want its customers to be upset or make extra bucks on late fee. This is the worst payment site I deal with. I know where I WONT be shopping. Remember the rule of thumb Less bunk on a page is more and be to the point. Change this monster.
Joyce E. Doyle-MurpheyJul 5, 2007
yOUR SECURITY INTO MY CREDIT CARD ACCOUNT STINKS..DIDNT WANT TO USE IT ANYWAY.. BAH HUMBUG
TommyJul 12, 2007
Usually pay all my accounts via US mail exactly because it is less of a hassle to download the sites and also because I'm from the "old school" and worry about the security issues. However I overlooked the JCPmastercard account this month and on due date I am having the most difficult time trying to pay these folks online. I agree this is the WORST!!
JulieJul 26, 2007
WOW! I have the answer according to the 866-227-5213# & it worked. You have to type the address in the address box, not the search area. They want www.jcpenneymastercard.com and it takes you to thier secure area. Yes they want your 1st born in the info department and I told them that was alot of info just to give out and she assured me they site is secure. She even sat on the phone w/me & described each area be4 I typed my info in. Anyway I hope this helps everyone, if not you have a phone #.
rodger waggonerAug 10, 2007
how do i get to the nut house
Carolyn M. ThomasAug 21, 2007
Like these other people I have tried to pay you on line and have been unable to do so. Now I'll have to pay a large fee to overnight or get a late charge! I hate to have late charges! Either fix this thing or take it offline. Thanks.
SteveAug 23, 2007
I was beginning to think I was stupid! Worse site I have ever seen for trying to make a payment!
I won't be using this credit card any longer.
Samir aljassimSep 4, 2007
I have a master card with JC penny but how can i get to know my credit limitation so i can use to buy my international airline ticket.
thanks
tereSep 12, 2007
Why not make it easy to pay my bill?
luzetteOct 10, 2007
i am planning to temporarily live outside the U.S. for about a year 'cause my husband has health problems. i'm afraid to use my jcpmastercard yonder 'cause mail takes an average of ten days to be there. i'm afraid to be charged a late fees.i want to pay on line but your website "stinks"!!!!!
KVOct 23, 2007
I can't even get my acct registered online! I have been trying for about half and hour now to get out account registered so I would have online access to our info, and to register the account you must enter the acct number, which is 11 digits, but each time I try I get an error message stating that the account number must not be less than 14 digits! They assigned the account number, so shouldn't it be correct???
hunOct 24, 2007
where in the ****************^^^^^^%%%%%%%%%%%%%%%%%%%%is the frigiiignnggweb site
Paul EdwardsOct 30, 2007
I only wanted to view my account,
but that seems impossible
AnnNov 4, 2007
Having been trying for 2 days to get on the jcpenneymastercard and it just doesn't happen. I am giving. The password is also a hassle, but I can cope with that.
Eleanor M LewisNov 12, 2007
How do I get a password?
Cherry AmonetteNov 23, 2007
I have been shopping with JCPenney for many years. They offered me the mastercard to replace their credit card, so they cancelled my credit account and gave me a mastercard. Boy I wish I could have had a crystal ball to see the future. They or I should I say the idiots that developed the website obviously don't want us to get in there. Every month I have to sit here at the computer and pay bills and can't get in to their account as usual. It makes me feel like a dummy. I agree with everyone else GET IF FIXED OR YOU WILL BE LOSING SOME GOOOD CUSTOMERS!!!!!!!!!!!!!!!!!!!
Delia PerezNov 24, 2007
I have a terrible time getting into my jcpmastercard account. I just opened my bill and it says I missed my last payment. I thought I made it online! Now I need to look up my account and cannot. Help!!
joseNov 26, 2007
payment
ticalifDec 28, 2007
JCP & GE have devised the finast system to ensure no contact by the customer.An absolute disgrace.
debbieDec 29, 2007
I have to admit paying on line with a JC Penney Mastercard on line is a joke. The password set they have is a joke. Passwords are hard enough to remember let alone trying to remember some with two numbers in the middle. Its secure alright from everyone even all customers. Anyway to complain to someone to change or do something about this on line bill pay since you can't pay in the store, found that out the hard way and even the clerk didn't know why it wouldn't take may payment. A manager had to be called over to figure it out and she only figured it out by reading that information on my bill. What a joke. I don't know how we are to pay with no options but on line and us postal mail. And if you forget your password, with your email address being your work address and your at home using a lap top. Forget ever finding your password out. signed VERY UPSET CUSTOMER.
Sandra SullivanJan 4, 2008
I have the hardest time to get on line to find the website to see my account balance, etc. I already have a username and a password.
woodyJan 4, 2008
GO TO THE WEBSITE WWW.JCPENNEY.COM and then at the bottom of page push credit.It will show a box for what account.Put in your 16 digit number and it will revert to the mastercard payment.Not hard at all
woodyJan 4, 2008
The website you are trying to get is www.jcp.com/credit.It is not that hard to write your password down and put in in a place you are comfortable with.There you will be able to answer your questions for what you seek.
MonikaJan 8, 2008
Woody is right!

All I want to add is that you need to call the 1-800 number first to give them your mother's maiden name. They need to file that before you can register for their online service.
nancy wankerJan 14, 2008
Everytime I try to go on the computer to pay my bill I can't. It used to be easy now its a pain in the butt and now its' not on time.
meJan 18, 2008
hey dorks go to jcp.com and at the bottom of the page click on credit card.
mscJan 26, 2008
I look my statement up every month on the computer but I still go to the JCpenney store and make my payment, that way my payment is not lost and my late fees and I pay on the day it is to be paid
JOE N. WELCHFeb 3, 2008
I CANNOT GET THE WEB PAGE TO OPEN TO LOG IN TO THE ACCOUNT PAGE.
debbieFeb 15, 2008
this is bull!!! there is no way that the pass words i put in are already used!!! no damn way!! you would think that the pencil pushers at Penny's would read these comments and use a bit of intellegents and fix this farce!!
debbie m.Feb 15, 2008
this is the same debbie from feb. 15. one thing that should be understood, is that if you need to call ahead and give your mother's maiden name, it should clearify that off the bat. i pay four credit cards an line. no problem. it is not a matter of being too simple for the card holders to grasp, it's a matter of the company being too simple to grasp the idea of making changes to make their card holders on-line paying an easy experiance, instead of pissing them off to the point of cancelling their cards!! on line payment should be a conveniance, not an ordeal!!
LizzFeb 20, 2008
I want to cancel my credit card, and cannot get through to anyone to do it and the balance on my card is .01 and I know with late charges etc. it will continue to go up. Please cancel
Carol KerscherMar 7, 2008
What is my credit on the valances returned?
Mark and LoriMar 13, 2008
This is the most ridiculous credit card and website. We are paying off the account just so we don't have to go through the hassle of paying it online. You cannot pay via phone or in any JCPenney stores. This should be brought to the attention of a BBB!
shirley sparlingApr 10, 2008
I have been trying to pay my bill on line but i can not do so will you help me
shirley sparlingApr 10, 2008
I don't understand why I hve trouble paying my credit on line I have three other card I pay on line with no trouble. what is the deal is I continue to have problems I will no longer buy from penney's.
Marjory LachnietMay 5, 2008
This is the only account I have problems with to access my account or pay my bill. Why is it such a hassle??
CammieMay 5, 2008
I needed a good laugh this am and now I jdon't feel so dumb about having a hard time when I have trouble paying a bill online. Thanks everyone!
CammieMay 5, 2008
Everyone made it sound so hard, it wasn't bad! Thanks again.
PatriciaMay 8, 2008
I can not get online to view or pay my bill.
jr.May 8, 2008
I cant even get it to let me give you a pass word period.
sylMay 8, 2008
I stumbled on this while going to do my usual fight with trying to pay the bill...it was great to see I am not alone wanting to throw something by the time I get the customer service person to reset me (each time I go in) they actually suggested making a stupidly easy password then writing it down right by the computer. I cannot wait to get rid of this damn card!
issyMay 9, 2008
It is a hassle to pay my bill online, can't even login or re-register because of their sorryASS system.Those dumbass reps try to tell me it's my internet service, but yet I am able to pay my other credit cards with no problem.Really can't wait to pay this hoe off!!!!!!
sheilaMay 12, 2008
i thought maybe things had changed sinse i havent had a computer in over a year, but hell no, its the same. you can pull your hair out and nothing works. their just like providan, they want that late charge. are there any honest companys left? and why cant we do something about it? im fed up in utah,
Dorothy MauroMay 16, 2008
You would think I was trying to get into Fort Knox with all the questions and I still could not view my balance. Doesn't anyone at JCPenny read the comments above and realize that perhaps some changes should be made?
ethelMay 17, 2008
I have tried three days. in a row topay my bill online. Why is it so hard to log on? I have not been successful yet. Please help.
Aida E. MaderaMay 20, 2008
Need to close my credit account immediately. Please let me know who to call or if I can do that online?
KumarMay 22, 2008
You guys are lucky, you are able to get a site where you can type in something. I am not that lucky. The credit card says access your account at jcpennymastercard.com. you type that nonsense appears, it even asks if we want that to be our default page. I found no place to access the account. Vijaya Kumar
bonnieMay 30, 2008
JCPenny Mastercard is the most difficult card I have ever tried to pay on line, as others have mentioned, you can't pay at the store. I agree after speaking /w customer service, this card should be reported to the BBB.
LTJun 12, 2008
I am attempting to check the balance of my 92YO mothers account and agree JCP sucks as does any store you find in a mall. Because of the problems I had with my Sears
card account, I do not go to malls.
I buy all my cloths on line from sportsmansguide.com as they sell great quality cheaper then JCP or Sears and the website is hassel free. Plus they ship fast and never a problem returning items. Drop these turkeys as they do not deserve your business.
Hector GJun 13, 2008
My biggest problem is trying to pay online> This has got to be the most user un_friendly site I use.
carlineJun 19, 2008
My biggest problem is trying to pay online
Laura SJun 19, 2008
JCpenney Mastercard should have an easier way to pay online or better yet let you pay by phone. It is obvious that they just want your late fees.
patricia gonzalezJun 23, 2008
make online more easy to make payments thank you
Barbara WhisenhuntJul 9, 2008
I agree this is the worst company to try and pay online. Why does it have to be so hard, obviously the late fees are their bread and butter. I decided to stop buying from JCPenney.
LISSAJul 22, 2008
IMPOSSIBLE TO ACCESS ACCOUNT ONLINE TO MAKE A PAYMENT. THEN YOU ARE CHARGED A $3 fee to pay by phone. if you get caught in this insist they credit you the fee. It's infuriating.
JANICEJul 28, 2008
THIS IS CRAZY,I CAN NOT ACCESS MY ACCOUNT ONLINE TO MAKE A PAYMENT. THEN I GET HARSSING PHONE CALLS WHEN I CAN NOT GO INTO THE STORE.
Ethline BlackAug 12, 2008
I have been trying for the past three hours to pay my bill on line. This is Crazy, I can't find anywhere to do so.
shantilal dalwadiAug 26, 2008
please donot late fee charge to me .it was not my foult . thanking you.
Teresa McMullenSep 20, 2008
I just want to get on line and check my account. I received a bill and had already returned the item and it was not credited. I am not going to send in the payment for it and I do not want interest on it. Please reply. I returned it within 2 or 3 days and it should have been credited. Thank you. Teresa McMullen
solanajohnSep 22, 2008
Trying to find and then use jcpenneymastercard.com...is like finding a needle in hay stack..I am ready to cancel my card.
NEVER again a CC from GE Money Bank. They act like PLEASE DO NOT DO BUSINESS WITH US...SO BE IT!!!!!!!
sonya jonesOct 3, 2008
forget this -hit life is hard enough all I want to know is my balance on my card so I don't look like a fool when I want to credit something at jcp.So stop giving people a hard time life short enough. Peace out!!!!!
aloharoseyOct 7, 2008
here is the link....it was like finding a needle in a... stack of...well, needles!

https://www.onlinecreditcenter6.com/consumergen2/login.do?subActionId=1000&clientId=jcpenney&accountType=dualcard&landingpg=9300
myraguidryOct 10, 2008
why can.t I get on my account .
sandra scottOct 27, 2008
why, am i having a hard time trying to pay my bill online?
karen staytonOct 28, 2008
why, am I having such a hard time paying my bill and setting up a pass word.
bridget lewisNov 3, 2008
im like karen s. having a hardtime paying my bill online +setting up a password. Its complicated, can you make it alittle easier.
Louis GrovesNov 8, 2008
none
Louis GrovesNov 8, 2008
none for now
JCPenneyNov 12, 2008
I agree I think they could make the online account setup a lot easier.
CLARA BIELECKINov 19, 2008
This sucks buttermilk and this credit card goes into the shredder.
priscilla allison griffithsNov 20, 2008
i agree
Marian HallNov 27, 2008
Why is it so difficult to pay my J C Penney's card on line? Couldn't you make a simple site where this can be done?
eugene c hasseNov 30, 2008
your web site does not tell me how
to enter a password!!!!!!!
Gary JacobsonDec 3, 2008
YOUR SITE SUCKS! Have tried for over 40 mins. to pay my bill--no luck! Will call tmw. YOU WILLNOT CHG. ME 4 a fone call!!! Otherwise,
cancel my card........!!!!!!
sandra oneilDec 3, 2008
I AGREE THE SYSTEM SUCKS I TRIED TO PAY BY PHONE, AT THE STORE AND ONLINE. YOU NEED A PASSWORD TO GET IN THE SITE BUT IT WON'T TAKE ANYTHING I TRY TO TYPE WHAT A JOKE!!!!
Ruth M PadiaDec 3, 2008
How do I get a pass word?
Phyllis CowanDec 29, 2008
This is crap! what a crock!!! I only want to pay my bill.......
vacekDec 30, 2008
This is just another rip off. I tried getting online many times. I have already returned my card because of this company's policies.Now I need the 3 digit # from back of card to pay online,if I could have gone on further anyway. Of course, I don't have this #, so can't get on to make payment.
RuthJan 2, 2009
I didn't have a problem signing up for the site, my problem is it takes forever to load the website to even pay my bill. I can pay all my other bills in the time it takes to load the webpage.

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