Do not make any arrangements with GE Money Bank or JC Pennneys because they do not hold to them. We made an aggreement on our Penneys bill for a few months due to my husbands wages being cut. They set up the terms, the amount, and the date-but because we were running behind and the payments they set up was one day later than the bill was due-we are charge a late charge-when they set up everything-to suppossably help us for a few months. What a Joke - And do not even think of talking to the American that it was set up with-you can only get India&outsourced again. Maybe that is why GE is taking over some many creit cards-outsourcing. So it comes down where to go from here.
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