Visit the JCPenney website and log into your account. Enter your username and password and click on the "Pay My Bill" link on your account page. Choose the date you want your payment debited from your bank account and enter your bank account number, bank routing number and the amount you want to pay. Click "Submit" to make your payment. Keep a copy of the confirmation page for your records.
Visit the customer service department in your local JCPenney store. Tell the JCPenney customer service employee you want to make a payment towards your credit card balance. Give her your name and other personal information she asks for. Pay your bill with cash, check or a money order.
Mail your payment to JCPenney. Remove the payment stub from your monthly statement and include a check or money order payable to "JCPenney" in the amount of your payment. Mail your payment to:
P.O. Box 960090
Orlando, FL 32896-0090