I just got my JCPenney Cardabout a month a go and I have a balance of about $40 I just happened to check my credit report and had stated on the ( credit report) ex. $40 bal and $40 Limit even thought my limit is $500 this mistake on the credit report has brought my credit score down, please keep in mind my JCPenney Card statement does not say that Just my credit Report.

Concerned Customer