I just closed my JCP account after 45 years! In November, I sent my husband a JCP link for a sweater that I would like for my birthday. JCP has closed the store nearby and I don't use my JCP credit card very often and evidently the credit card was saved in my account. I'm the person who pays the bills but we never received a bill in December and then we received a bill with a late fee and interest in January. It is difficult to get to a real person and everything is automated on the website but I completed a dispute form and then received a response that they HAD sent a December invoice and I still owed the additional fees. So, my $29 sweater ended up costing us $61! I only shop JCP occasionally online, at which time I will just use a regular credit card.