I will never do business with either of these associated companies ever again. I had opened one of theo JC Penny Dept store cards around the holidays, ya know when they ask if you want to save the 10% opening the charge. I've often do so in stores only to pay charge in full and close the account if the purchase was large enough to warrant it. Doing so had never damaged my credit until now! As it turned out I was living with the borderline personality sociopath who was unfortunately the mother of two of my children. We had no joint... read full review »