Will never buy at JCPenney again. They raised my interest rates to the point where I could never pay them off. Interest is added through the year and at the end of the year if the balance on your J.C. Penney card is not paid in full , they add a large amount of interest at one time. In my case over 700 dollars of interest was added onto my account. Didn’t owe them but 1,300 dollars, when they added the 700 dollars that bought my dept to them up to over 2,000 dollars and my interest rate was over 34%. Well I paid them off with a low interest loan. I destroyed my J.C. Penney credit card and I will not be shopping with them again!!