You may make a payment through the JCPenney Online Credit Center (log in and select “pay your bill online” from the navigation bar). Login to your JC Penney. Description. Log in to your JCPenney credit card account online to pay your bills, check your FICO score, sign up for paperless billing, and manage your. Access Your Account – Synchrony Your JCPenney Credit Card or JCPenney Mastercard® is issued by Synchrony Bank. The Synchrony Bank Privacy.