Don't get a jc penny Credit Card. They will close out your account if two payments are rejected by your bank. Even if you make the payment later that same day and even if you make up all late payments if you have any. They won't even tell you that they shut your account. They won't even work with you to reopen it. My account had been paid and caught up and it was still closed without my knowledge. Rude customer service no phone calls just close the account. They said oh you can apply for another card, but why so now I can have two bills. I guess they don't want business from people who pay their bills apparently. I will never ever again get a card from JC Penny.