Well if you have a jc penny credit card they will increase your credit line without your permission and if you don't use your card for anything they will decrease your balance and it will effect your credit score many points I would have came out better by never getting a card from them or just canceling it if I had known that they could drop my score over 20 points I would have. Just warning everyone about how they do their customers who don't charge things often. This way of doing business should be against the law.
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