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JCPenney Credit Card Login | Bill Payment Online

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JCPenney Credit Card offers its existing customers with online login and bill payment services. The credit card is backed by the Synchrony Financial. It allows you to earn plenty of rewards and incentives. Shopping with the credit card you can earn a 15% discount on apparels, home furnishings, shoes and jewelry. It is an advantageous credit card for frequent shoppers as you can earn reward points for every dollar one spent and the exclusive discount offers enhance your shopping experience.

Operating the online portal of JCPenney is simple, the cardholder just needs to enter his/ her user id and password on the login page. Once you are logged into your credit card account you can pay credit card bills, activate a card, check accumulated reward points, set up account alerts and view transaction history. We have made the login process easy with the detailed set of guidelines mentioned below.

How to Login



Step 1– To log into your credit card account a cardholder must visit the login homepage (onlinecreditcenter6.com) of the JCPenney.

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Step 2– Once the web page opens you will find the login section towards the center. Enter your User ID in the blank space and then click on the “Secure Login” button below.

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Step 3– Next you will be taken ahead to a new web page where you are required entering your password in order to gain access to your online account.

Forgot Password

Step 1– Customers who fail to recall their login password must open the password reset page using this Link.

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Step 2– Enter your Account Number in the white box below and then select “next”. Once your account is verified the bank will send you a new password.

Forgot User ID



Step 1– To retrieve your user id select the “Lookup User ID” link which is located at the bottom of the login section as shown in the picture below. (For direct access to the Id reset page, click here Link).

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Step 2– Provide your account number and then press “Next” to proceed to the validation page. Once the bank verifies your identity you will be directed to reset your user id.

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Make Payment. Total Visa Credit Card

Step 1– To pay credit card bill online, log into your online account following the guidelines mentioned above. Once logged in, you will find the payments tab which will direct you through the procedure.

Step 2– The customer can authorize an auto debit which enables the credit card company directly collect the bills from the bank.

Activate Card

Step 1– If you have just received the JCPenney Credit Card in the mail and wish to activate it for making purchases, then you must view the activation instructions which are provided on the label of your card.

Step 2– You just need to bring a valid photo identification to the customer service area in any JCPenney Store and the authority will issue you a temporary card to allow you to purchase that day in the store. Your account will be honored 24 hours after you are approved.

Customer Service

  • Call:  1-800-527-4403
  • Contact us page Link.