EDIT Thank you all for commenting. To make it clear I've had a credit account for 5 years so I know how things work however when things are worded badly I didn't know I was signing up for an actual credit line and not a rewards program. Whoops. But thank you all for being nice to me about it! I'll fully keep an eye out next time. I'm on a path of healing so I'm still working on that backbone of mine. I did contact customer service but essentially I was just given a link for electronic statement in the end so I can pay off my card when the transaction goes through. I'm more upset about my credit score being dropped while I'm trying to get caught up in steep payments so it'll be a bit before I see my scores shoot up again like they did before. I'm not as upset but it did put a heavy damper on my destress vacation.

Yeah I know dumb move please don't berate me for it. However while shopping today I was given a coupon for a Saturday sale and decided to stop by because why not? When I found what I wanted I went up to the purchase counter to pay. The lady asks if I wanted to get 20% more off with their credit. I asked her point blank if this will affect my credit score and she sighed and said no. I was hesitant however I did it anyway because I'm pretty sure as much as yall need to get the quota you wouldn't stoop that low to lie. Bad business practice. I was, and still am tired and taking a bereavement pay right now due to the loss of my nana so I'm not in it. After signing everything I ask again if she's sure my credit score won't be affected and she said yeah she's sure.

Now I'm back at the hotel I'm staying at. I didn't use the shopping pass for the card. I did get the ping from my credit line that someone was looking at my score. My inquiry didn't go through yet but now my fear is confirmed that I was lied to and once the inquiry goes through my score will tank. Was it legal for the lady to lie to me like that? Can I go to corporate for that? Yes I did do something stupid but like I said my headspace is not in it due to tragedy after tragedy. Go easy on me I just need help....

In March 2023, I opened a JcPenney card through Synchrony Bank. I had made a purchase and was paying it off on time. In June, I applied through a bank for a personal loan to take care of some emergency auto repairs. I have good credit and got it, however, it was contingent on them paying off the two cards I had. One for JcPenney and one was for medical. The medical one cleared instantly, but the JcPenney one wanted a check. Using the account number on the JCP statement, they had sent them a check for $307, which was supposed to clear the account. A month later, I get a notification from JCP, saying I still owe money, they never got a check. I called the bank that I got the loan from and they said it was received and cleared and they had confirmation. I called JCP back and they asked my bank to send them a copy of the check and confirmation, my bank did that. They told me that they had actually made a mistake and applied the payment to the wrong account, but had no idea where they applied it and could we resend the confirmation and check copy, we did. A few weeks later, they reach out to me again saying I owe them money and that they never received the check copy and confirmation and to refax it. I went to my bank and told them. They faxed them a third time. This time I had them print out a copy of the check and confirmation for myself so I could send it certified mail, if it kept up. They printed what I needed, as well as three confirmations of faxes sent. On that occasion, JCP said they got it and everything was taken care of.

Now during the dispute process from June until October, I was credited the $307 so that I didn't have to make payments. Once it was finished, the balance was $0. December comes around, and I get a notification again that I owe payments and that I have a $307 balance. I called up the first week and they tell me, they found the problem and that it was applied to an old account and that because they misspelled my name it wasn't applied to the new one that was opened when they issued me a new card for the incorrect name. He told me don't worry, I owe nothing. The payment notification was gone. In January, same thing. I call again, and I'm told the problem was during the dispute process. The $307 they credited was double billed, don't worry I owe nothing. I had to speak to someone tonight cause again they want a payment. The person I spoke to was very rude and said honestly, it's not their fault they applied it to the wrong account, it's my problem and just because it says that they were paid, doesn't mean they would clear my balance. She proceeded to tell me they've never received any confirmation or proof of payment at any time. Every time I go through this process, I get dinged on my credit report and I'm at my wits end with them. What are my options with this?

I got the credit card 2 weeks ago or so, and I have no idea how to log in to pay for it. As far as I’m concerned this card didn’t come with a card number, or it has a misprint. It only has 18 digits and it’s formatted like:

XXXX-XXX-XXX-XXX-XXX-X-X

And the website requires 19 digits. Help pls