JcPenney makes u call to allocate payments to non promotional balance. If u dont call they will not apply money to interest bearing charges so that u can pay interest. So although I made the purchase and it shows shipped they will not allocate the payment because their system is slow and basically told me to pay again. You have to watch them closely. I did buy a few items as promotional and have to pay off before closing the account but I plan to close the acct. They are not worth the aggrevation and syncrony bank customer service is rude and not helpful
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