What is the difference between an authorized user and a joint applicant?
An authorized user is anyone who an account holder has authorized to make purchases on their JCPenney consumer charge account. Although the authorized user can make JCPenney credit card purchases, he/she can not request account information, make changes to the account, and is not responsible for repayment of the Account. The primary account holder is responsible for any charges that the authorized user incurs on the account. A joint applicant and the primary cardholder share the responsibility for their JCPenney consumer credit account. The joint applicant can request account information, make changes to the account, and is responsible for repayment of the Account.
An authorized user is anyone who an account holder has authorized to make purchases on their JCPenney consumer charge account. Although the authorized user can make JCPenney Rewards credit card purchases, he/she can not request account information, make changes to the account, and is not responsible for repayment of the Account. The primary account holder is responsible for any charges that the authorized user incurs on the account. A joint applicant and the primary cardholder share the responsibility for their JCPenney consumer credit account. The joint applicant can request account information, make changes to the account, and is responsible for repayment of the Account.
