badbiz B.

The most horrible customer service I've had in 40 years! Anyone who posted a payment over the credit card automated phone service where your total payment was not paid should post on line so we can get a count of how many people are getting ripped off. (would GIVE a zero rating if available)
I originally called to ask about my balance and to see if the rewards credit was applied. The automated said I owed 10.30 and it was due that day.
Freaking out because I never received the bill, I paid on line answering Yes to the prompt "Do you want to pay the CURRENT AMOUNT DUE" which was 10.30. It said it was paid in full. I waited for a rep (on hold 42 minutes) to find out why my REWARD CREDIT was missing off the bill (the store rep said it would be applied on my bill). While I was inquiring of the missing reward I asked if my payment went through. I was told after 20 minutes on hold and "apologies" by the rep in Philippines (don't want apologies; we want action!) that only 10.00 of the bill went through and 30 cents was owed. I hit the roof! Only an idiot would leave a balance of. 30.

The rep said it happens a lot! My opinion is that they purposely only post partial payment so they can hit you with a late payment and interest! This alone is enough to make me not use their card. The 2nd issue is having to depend on outsourced employees who can only apologize for all the mistakes made by JCP/CC company. They can't help you except to give you a balance or tell you when your bill was mailed. It took them 3 days to see my phone payment! But yet we are charged right away and it can be seen! One rep said she was sending me over to a supervisor when I refused to give her my bank account number and social to make a 30 cent payment after I paid the entire amount on the automated system. She (Philippines rep) lied and never sent me to a manager she only sent me to another rep! Warning! Don't use their card. No way that bill was sent back to them unless a postal worker was too stupid to read the address! Why do you want my number if you are not willing to call me to alert me you haven't received payment yet? Look at my perfect payment (ahead of scheduled) history! Get off your lazy butts and remind people their payments are due! Also, don't believe their rewards scam. Yes, you may get it but you have to go online to get it, then call to confirm which requires 30 minutes of personal questions of verification of who you are! Then you may or may not be verified when they ask you to give an address or phone number from 20 years ago that you may or may not remember. TOO MUCH HASSLE FOR SUCH A SMALL ITEM/QUESTION.!