JC Penny's credit card

Complaint - Blackened credit - reported deliquent.

I want to write them a direct letter telling them why

after 20 years I'm canceling my credit card with them.

Not that I used it. They APR is ridiculous. But I

did take the life insurance they were soliciting at

one time. Although life insurance is a totally

different thing that an actual JC Penny product

purchase. Yet 20 years later, still paying my life

insurance through JC Penny's I was late, and they

black listed my credit. They put a deliquent on my

credit report!!! I didn't buy anything from them.

No purchase was made to JC Penny's. Yet they went to

the credit bureau and black listed me because I was

late on a payment to MY LIFE INSURANCE!!! I actually

don't think this is legal. I'm fighting it through

the credit bureau, basically stating I didn't make any

purchase through JC Penny's, but have been paying my

Life Insurance through them. No longer though. I

contacted the Life Insurance company and explained

what JC Penny's did. They are quite shocked. They

told me that I had a 31 late day grace period, and if

I just stopped paying, they'd just cancel me. They

wouldn't "REPORT" me to any credit institutes. So

Penny's has lost ANOTHER customer. No one likes

someone that screws with their credit! I'd really

like that address if anyone has it.