439 / 635
Failure to Pay-If
you do not pay as you have agreed, we may require that you
immediately pay the entire balance of your account.
You agree to pay reasonable attorney's fees and the court costs if we have an
attorney bring a lawsuit against you to collect your account debt and you lose the
case.
Our Rights-Warning:
We can change our credit terms at any time. We will
notify you in advance of any such changes as required by law. Our new terms
may be applied to the existing balance on your account. We can limit or cancel
your credit privileges. All JCPenney credit cards belong to us. and you must
return them at our request.
We give up any lien the law gives us automatically for work performed by us or
materials installed by us on real property used or expected to be used as your
principal residence. If you live in Florida, we will keep asecurity interest in any
items charged to your account, except for those items that are considered real
property under state law.
Transfer of Accounts-We
may sell, assign or otherwise transfer your account
and/or account balance. as well as this Agreement and all rights and duties
under it.
Credit Bureau Reports-To
check the information on your application, we may
get a report about you from acredit bureau. When you have an account, we may
get acredit report to update our records or to decide whether to give you
additional credit. Ask us and we will tell you if we requested acredit report and
give you the name and address of the credit bureau.
YOUR BILLING RIGHTS-KEEP THIS NOTICE
FOR FUTURE USE
This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act.
Notify Us in Case of Errors or Questions About Your Bill
If you think your bill is wrong, or if you need more information about atransaction
on your bill, write us (on a separate sheet) at the address listed on your bill. Write
to us as soon as possible. We must hear from you no later than 60 days after we
sent you the first bill on which the error or problem appeared. You can telephone
us. but doing so will not preserve your rights.
In your letter. give us the following information:
•
Your name and account number.
•
The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error. If
you need more information, describe the item you are not sure about.
Your Rights and Our Responsibilities After We Receive Your Written
Notice
We must acknowledge your letter within 30 days, unless we have corrected the
error by then. Within 90 days, we must either correct the error or explain why we
believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you question, or
report you as delinquent. We can continue to bill you for the amount you
question, including finance charges, and we can apply any unpaid amount against
your credit limit. You do not have to pay any questioned amount while we are
investigating, but you are still obligated to pay the parts of your bill that are not in
question.
If we find that we made a mistake on your bill, you will not have to pay any
finance charges related to any questioned amount. If we didn't make a mistake,
you may have to pay finance charges, and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a statement
of the amount you owe and the date that 1t is due.
If you fail to pay the amount that we think you owe, we may report you as
delinquent. However, if our explanation does not satisfy you and you write to us
within ten days telling us that you still refuse to pay, we must tell anyone we
report you to that you have a question about your bill. And, we must tell you the
name of anyone we reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is.
If we don't follow these rules, we can't collect the first $50 of the questioned
amount, even if your bill was correct.
NOTICE: ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE
DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR
SERVICES OBTAINED PURSUANT HERETO OR WITH THE
PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR
SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR
HEREUNDER.
Sign here and keep thisCred it Card Account Agreement for your records.
J.C. Penney Company, Inc.
(3;}J~
Bill Alcorn
Vice President
Director of Credit
Applican1 Signa1ure
Da1e
Co-Applican1 Signa1ure
Da1e
OHIO-The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers. and that credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
JCPENNEY CREDIT APPLICATION
To
detach, cut on dotted line
APPLICANT INFORMATION
A married applicant may apply for aseparate account.
PLEASE PRINT IN INK AND SIGN AT BOTTOM
Your Name
First
Middle lni1ial
Last
Social Security Number
Street Address
City
State
Zip
Years at Address
Home Phone With Area Code
Business Phone With Area Code
Date of Birth
Number of Dependent Children
(
)
(
)
I
I
yrs__ mos
--
Own
Rent
Own Mobile Home
Live With Parents
Other
Do You
0
0
0
0
0
Mon1hly RenVMortgage
Years on Job
Occupa1ion
To1al Monthly Income -All Sources*
Employer
yrs__ mos
--
·vou need not furnish alimony, child support, or separate maintenance income information
1f
you do not want us to consider
1t
m
evaluating
your apphcat1on. Include co-apphcant income
1f
apphcable.
CREDIT INFORMATION
Checking/Savings
Checking
0
0
CO-APPLICANT
0 -
Also Responsible
for Account
Name (Firs1, Middle lni1ial, Las1)
APPLICANT SIGNATURE
Savings
0
Bank Loan
Mas1erCardNISA
Discover
AMEX/Diners
0
0
0
0
AUTHORIZED BUYER
0 -
Allows Person to
Spouse:
Purchase on Account
Occupation
Business Phone With Area Code
Date
CO-APPLICANT SIGNATURE
MAIL YOUR COMPLETED APPLICATION TO THE NEW ACCOUNTS DEPT. AT THE APPROPRIATE ADDRESS ON PAGE 436.
Departmen1 Store
Other
0
0
Yes
O
No
0
Years on Job
yrs__ mos
Da1e of Birth (Co-App)
I
I
JCPenney
439