How to Get a Credit Limit Increase on Your JCPenney Card
Store credit cards like and Apple make life so much easier, and it should be just as easy to increase our credit limit. But, sadly, even bank credit cards like Chase, Bank of America, or Wells Fargo have rules and restrictions that make it hard to know when you can ask for a credit limit increase.
DoNotPay can help you increase your credit limit whether you use American Express or Discover. We'll determine the best way to get an increase from credit cards like Capital-one, Citi, or Credit-one and get you a credit limit increase without hurting your credit rating.
This guide will talk about how credit limit increases work, how you can apply for a credit limit increase yourself, and how DoNotPay can get you a credit limit increase with less hassle.
How Credit Limit Increases Work
A credit limit is the maximum amount you can charge on your credit card or the largest balance you can carry. First, you show the card issuer that you can handle a higher credit limit by paying your bills promptly and not going over the credit limit. At this point, they may decide to increase your credit limit.
About the JCPenney Credit Card
The is issued by Synchrony Bank and can be used to purchase anything in the store or online. All credit limit increases, however, are decided by the bank.
Who Can Request a Higher Credit Limit?
There are a few general factors that make card issuers leader in raising your credit limit, including:
- If you've been approved for past credit limit increases and have handled it, you will likely get a future one.
- If you pay your bills on time and consistently stay under your credit limit
- If you have a higher income for your area
- If you use the card frequently yet still manage to pay off your balance
Some factors count against you, such as:
- Being late with your payments consistently
- Having declared bankruptcy
- Having a history of credit limit increase combined with delinquent payments
When Can I Request a Credit Limit Increase From JCPenney?
"After you are approved for a JCPenney Credit Card, you will be given an introductory credit limit. Thirty days after your initial approval, you can request a credit limit increase. If you are denied a credit increase, you must wait at least 30 days before reapplying for an increase."
What Information Will JCPenney Ask For?
Coldwater Creek will request the following information:
- Your yearly income
- Your employment status
- Your Social Security Number
- Monthly mortgage or rent payment
Things to Consider Before Requesting a Credit Limit Increase From JCPenney
There are a few things to consider before you ask for a credit limit increase:
- If your job is stable, it would be bad to increase your credit limit and lose your job.
- Asking for too much of a credit increase or too frequently could affect your credit rating.
- How many other bills you're already paying.
However, we all need to splurge sometimes, and there are times you need a credit limit increase to get that item you just have to have.
How to Request a Credit Limit Increase From JCPenney on Your Own
"You can request a JCPenney Credit Card credit limit increase online by signing in to your account or by calling (800) 542-0800. The issuer will also periodically review your account to assess if you're eligible for one.
Your best chances of being granted an increase are if you've been paying your bills in full and on time. It also helps to improve your credit score and income since opening the account.
There are problems with this, however. You may not have time to wait for your phone call to go through.
So you'll have to go through those phone trees until you talk to a person, and that can be frustrating. Further, you may not want to give your personal information to someone on the phone, even if they work for a bank.
And you have to go through the frustration of them trying to sell you extra services when you just want a credit limit increase. There must be an easier way.
Get a Credit Limit Increase From JCPenney Creek With the Help of DoNotPay
With DoNotPay, you don't have to talk to any salespeople. Instead, just enter some information, and we do the rest.
How to request higher credit limits using DoNotPay:
If you want to request higher credit limits but don't know where to start, DoNotPay has you covered in six easy steps:
- Go to the Credit Limit Increase product on DoNotPay.
- Select which type of card you own and your credit provider.
- Tell us more about your card, such as when you first created this card, your current credit limit, what you would like your new limit to be, your card number, and whether you've missed past payments.
- Tell us more about your current income and expenses and why you would like to request a limit increase.
- Indicate whether you want to allow hard inquiries to be made into your credit history. Upload a copy of your ID and provide your e-signature.
- Submit your task. DoNotPay will deliver the request letter on your behalf. You should hear back from the card provider with confirmation or a request for more information within a few weeks.
Why Use DoNotPay to Get a Credit Limit Increase From JCPenney
You just want a credit limit increase, and DoNotPay is the easiest way to get one.
|No talking on the phone. Just give us a few pieces of information, and we do the rest.
|We'll deal with the bank, so you don't have to.
|We've helped thousands of people get a credit limit increase, and we can help you too.
DoNotPay Works Across All Companies/Entities/Groups With the Click of a Button.
DoNotPay can help with chargebacks with Chase the same way it can with Bank of America, PNC Bank, and Capital One. Or it can help you dispute and remove collections off of your credit report and boost your score.
What Else Can DoNotPay Do?
Don't drive yourself crazy trying to raise your credit limit. Use DoNotPay today.