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Cons: High APR: While no fees, the current 17.76% APR can be costly for carrying a balance. Low credit limits: Many users report initial credit limits lower than expected, even with good credit scores. Limited availability: Currently only available in the US and requires a specific mobile device. Li...

Logging into your jcpenney credit card login account depends on which issuer issued your card:
If your card was issued on or after October 2021:
Go to the Synchrony Bank website
Enter your User ID and Password in the login fields.
Click "Sign On."