JCP credit card sucks. After years of making payments on time, seriously, I never made 1 late payment from the beginning, at least 5 years, they screwed me completely during hard times. I had covid and just as I recovered we were hit with hurricane Ida. No work for 2 months, and still I made my payments, ONE day late, even though I was broke and had no power and no work. I still made the payment, and they still charged me fees, which put me over limit, which caused more fees. I will NVR shop JCP