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JCPenney Credit 'Application
APPLICANT INFORMATION
A married applicant may apply for a separate account.
PLEASE PRINT IN INK AND SIGN AT BOTTOM
Your Name
First
Middle Initial
Last
Social Security Number
-
-
Street Address
City
State
Zip
Years at Address
Number of Dependent Children
Home Phone With Area Code
Business Phone With Area Code
Date of Birth
yrs__ mos
(
)
--
(
)
I
I
Do You
Own
Rent
Own Mobile Home
Live With Parents
Other
Monthly Rent/Mortgage
D
D
D
D
D
Total Monthly Income -All Sources*
Employer
Years on Job
Occupation
yrs__ mos__
•vou need not furnish alimony, child support, or separate maintenance income information
if
you do not want us to consider
it
in evaluating your application. Include co-applicant income
if
applicable.
CREDIT INFORMATION
Checking/Savings
Checking
Savings
Bank Loan
MasterCard/VISA
Discover
AMEX/Diners
Department Store
Other
D
D
D
D
D
D
D
D
D
CO-APPLICANT 0 -
Also Responsible
ior Account
AUTHORIZED BUYER O -
Allows Person to
Purchase on Account
Spouse:
Yes
D
No
D
ame (First, Middle Initial, Last)
Occupation
Business Phone With Area Code
Years on Job
yrs__ mos__
APPLICANT SIGNATURE
Date
CO-APPLICANT SIGNATURE
Date of Birth (Co-App)_
I
I
Mail your completed application to the New Accounts Dept.
at
the
appropriate
address
on page
472.
We cannot accept faxed applications.
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
-~To
detach, cutoo dotted line
How To Open A JCPenney Credit Account ·
If you are not mailing acatalog order and wish to apply for a JCPenney Credtt
Aooount, call 1-800-222-6161 and acredtt application will be mailed to you for your
completion.
If you are mailing acatalog order and also wish to apply for aJCPenney Credtt
Aooount, complete the application below and sign tt. Please print and use aball point
pen (not afelt-tip). Mail the application, with your order, to the Atlanta or
Milwaukee Distribution
Center,
c/o
New
Accounts Department, to the
appropriate address on page 472. We cannot accept
faxed
applications.
IF YOUR APPLICATION IS APPROVED. YOU WILL RECEIVE ACOPY OF ALL THE
CREDIT TERMS THAT WILL APPLY TO YOUR ACCOUNT.
If you live in Arkansas, Delaware. Hawaii, North Dakota. or West Virginia, the
following Credit Card Disclosure does not apply to you. Please call the 800 number
above and acredit application will be sent to you. If you live in Puerto Rico, the
following Disclosure also does not apply to you. Visit your local JCPenney store for
the correct credit application.
JCPenney Credit Card Disclosure
State
ANNUAL
Portion of Average Daily Minimum Monthly
PERCENTAGE RATE Balance to Which Applied FINANCE CHARGE
AL
21%
$750 or less
50¢
18%
over$750
AK
18%
$1,000 or less
50¢
7.92%
over$1,000
IA
19.8%
Entire
50¢
CT,NC, RI
18%
Entire
None
DC
21%
Entire
None
MA,MN, PA,
18%
Entire
50¢
WA,WI
KS
21%
$1,000 or less
50¢
14.4%
over$1,000
Ml
20.4%
Entire
50¢
MO
20.04%
Entire
50¢
NE
21%
$500or less
None
18o/o
over$500
All Other States
and Outside U.S.
21%
Entire
50¢
(Except P.R.)
In Texas -APR is based on and varies with the TX Market Competitive Rate that is
determined by the Consumer Credit Commissioner in September of each year and
applies from the following October 1.
Grace Period-No finance charge if there is no balance from the previous
billing period or if billed balance is paid in full within 25 days of the billing date.
Balance Computation Method-In MA, ME, MN, MT, NE and NM: Average
daily balance method (excluding current purchases). All other states and DC:
Average daily balance method (including current purchases).
Late Payment Fee-For the states listed below, we may assess a late payment
fee for each required payment (excluding any insurance premium, returned
check fee, and previously assessed late payment fee) that is not received from
you within two consecutive billing periods. If you live in CA, FL, KY, MT, or OH,
the late payment fee is 5% of the late payment, but not more than $5.00 ($3.00
in OH, $10.00 in MT}. In MA, the late tee is 5% of the outstanding balance when
the payment was due, but not more than $5.00. In ID, LA, Ml, MO, NE, NC, SD,
or TN, the late fee is$5.00; the late fee is$4.00 in SC. In CO, DC, GA, IA, IL, IN,
MD, MN, MS, NV, NH, NJ, NY, OK, OR, PA, RI, TX, UT, VA, WA, WI, or outside
the U.S. (except P.R.), the late fee is $10.00. In
AZ.
and KS, the late tee is $5.00
on past due payments of $25.00 or less, $10.00 on past due payments over
$25.00. This fee will be added to your required payment, but will not be subject
to any finance charge.
Information About You and Your Account-We may share information about
you with a member of JCPenney's family of companies or in activities conducted
by the JCPenney family of companies.
Credit Bureau Reports-To check the information on your application, we may
get a report about you from a credit bureau. When you have an account, we
may get a credit report to update our records or to decide whether to give you
additional credit. Ask us and we will tell you if we requested a credit report and
give you the name and address of the credit bureau.
This disclosure of our credit terms is accurate as of June 1, 1996. To find out
about changes that were made after that date, write to the JCPenney Credit
Department, P.O. Box 300, Dallas, TX 75221.
For credit inquiries, check the toll-tree number on your statement.
Major Purchase Charges-For lower monthly payments, we offer
our Major Purchase option. You may charge selected non-apparel
items and bridal apparel. Call us at 1-800-222-6161 for details. A
minimum purchase requirement of $200 applies to a total order,
including shipping, handling, and sales
tax.