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*Offer applies to qualifying fine jewelry and watch purchases of $300 or more after discounts to receive 12 month financing or $600 or more (after discounts) to receive 24 month financing made through 12/31/23 on either a JCPenney Credit Card account or a JCPenney Mastercard account. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo balance if you pay it off, full within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not payoff the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo balances and after promo period ends, to the remaining promo balance. For new accounts: Variable Purchase APR is 31.24%, Minimum Interest Charge is $2.00. APR is accurate as of 8/1/23 and will vary with the market based on Prime Rate (as defined in your credit card agreement). Existing cardholders: See your credit card agreement terms. Subject to credit approval.