When my hubby & I were in high school he got a job here & made me sign up for a credit card. 8 years later & I love having my Penneys card! Aside from all the awesome sales & coupons from JCP, I can use my card at CVS & Sephora.com too. Yesterday I bought 3 tops (all on sale) & used a $15 coupon, bringing my total to $50 & some change. Mind you, all 3 tops were originally $40+. I love saving money just as much as I love spending it!