• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Credit Reports Credit Inquiries JPMCB Card

JPMCB Card: What Is It and Why Is It On My Credit Report?

Credit report showing JPMCB Card hard inquiry

At a glance

  • JPMCB Card stands for JPMorgan Chase Bank Card.
  • There are a couple of reasons you may be seeing them on your credit report.
  • Here’s what you need to know about what it is, why you’re seeing it, and how to get it off your credit report.
  • JPMCB Card may be hurting your credit score.

Get expert help. Call now to remove JPMCB Card from your credit report.

Call (855) 318-9914 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Reviewed by Victoria Scanlon

Updated Sep 23, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Alarmed by the abbreviation JPMCB Card on your credit report? You’re not alone—this rather confusing mess of letters makes thousands of people like you every month wonder why it’s on their report, and if it’s damaging their credit.

Fortunately, it’s most likely there under normal circumstances (unless you had your identity stolen). Here’s how JPMCB Card may be impacting your credit.

Table of Contents

  1. What is JPMCB Card?
  2. Is JPMCB Card a scam?
  3. Why is JPMCB Card on my credit report?
  4. How does JPMCB Card affect my credit score?
  5. How to remove JPMCB Card from my credit report

What is JPMCB Card?

JPMCB Card stands for JPMorgan Chase Bank Card.

JPMorgan Chase & Co. is the largest commercial bank in the US. 1 Chase Bank is the consumer and commercial banking division of the company, and they offer their flagship Chase credit cards as well as private-label credit cards for several major international companies. 2

This means you’ll most likely see items labeled “JPMCB” on your credit report if you have one of the following Chase credit cards or you’ve applied for one:

  • Amazon Prime Rewards Visa® Signature Card
  • Amazon Rewards Visa® Signature
  • Chase Freedom Flex℠ Credit Card
  • Chase Freedom Unlimited® Credit Card
  • Chase Freedom® Student
  • Chase Ink Business Preferred® Credit Card
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Chase Slate Edge℠

In addition, JPMorgan Chase can appear on your credit report under any of the following names:

  • JPMCB
  • JPMCB Card Services
  • JPMorgan Chase Bank

JPMCB’s affiliates

If JPMCB appears on your credit report but you don’t have a Chase card, then you likely have a credit card with a JPMorgan Chase affiliate. Most Chase affiliates are companies related to travel and hospitality, like airlines and hotels. However, Chase also issues major retailer credit cards, like Amazon credit cards.

JPMorgan Chase offers branded cards for the following affiliates: 3

  • Amazon
  • Disney
  • Southwest Airlines
  • Starbucks
  • United Airlines
  • British Airways
  • Aer Lingus
  • Iberia
  • Marriott Hotels
  • Hyatt Hotels
  • IHG Hotels & Resorts

If you see an item on your credit report labeled JPMCB, you likely have a card with one of JPMorgan Chase’s affiliated companies/

Chase Contact Information

If you want to remove JPMCB Card from your credit report, write to their address:

Chase Bank logo

Address: PO Box 15369
Wilmington, DE 19850-5369
Phone Number: (800) 935-9935
Website: www.chase.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

Is JPMCB Card a scam?

No, JPMCB Card isn’t a scam—JPMorgan Chase is a legitimate organization. If their name is on your credit report, it probably indicates that you have an account with them or they checked your credit.

If you’re certain that there’s activity on your credit report under JPMCB Card that shouldn’t be there, it’s possible you’ve been the victim of identity theft.

We’ll discuss the reasons (both legitimate and fraudulent) that JPMCB Card might be on your credit report in more detail in the next section.

Why is JPMCB Card on my credit report?

JPMCB Card can appear on your credit report for a number of reasons, some negative and some harmless. Here are the four most common reasons why JPMCB Card might appear on your credit report:

1. JPMorgan Chase checked your credit

You’ll see JPMCB Card on your credit report if JPMorgan Chase ran a credit check to determine whether or not to issue you a credit card. This type of check can appear as a hard inquiry or as a soft inquiry.

  • Hard inquiries: These generally appear on your credit report when you apply for new credit, such as credit cards, store cards, rewards cards, or installment loans. For example, JPMCB Card will show up on your credit report if you actually applied for a card from JPMorgan Chase.
  • Soft inquiries: These show up on your credit report when someone checks your credit but you’re not actually looking to open a new account. For example, if you received an unsolicited offer letter in the mail for a credit card issued by JPMorgan Chase, then they may have triggered a soft inquiry during the prequalification process.

Thankfully, soft inquiries won’t affect your credit score. Hard inquiries will usually lower your credit score by a few points, but the effect won’t last more than a year, and the inquiry will fall off your credit report entirely after two years. 4 Note that you usually can’t remove a hard inquiry early unless the bureau added it to your report by mistake.

2. You have a JPMorgan Chase credit account

JPMCB Card will appear on your credit report if you currently have or previously had a JPMorgan Chase credit account. Even if you closed your account, JPMCB Card can stay on your credit report for 7 years (if the account was delinquent due to missed payments) or 10 years (if the account was in good standing). 5

You might find your JPMorgan Chase credit account marked as closed even if you never took any active steps to close it. This can happen due to account inactivity—it’s common for lenders to close credit accounts if they haven’t been used for a while.

3. You’re an authorized user on someone else’s JPMorgan Chase credit account

JPMCB Card can show up on your credit report if someone else added you as an authorized user to their own JPMorgan Chase credit account.

You might have been named as an authorized user by your:

  • Spouse
  • Child
  • Parent
  • Friend
  • Business partner

If someone designated you as an authorized user on their JPMorgan Chase credit account, their activities on the account could affect your credit score. 6

If the primary cardholder is a responsible person and a reliable borrower, being an authorized user on their account will probably improve your credit score by helping you build a positive payment history. On the other hand, you might see a small drop in your credit score if the primary cardholder neglects their payments or cancels their account with unpaid debt.

Similarly, your use of someone else’s credit will affect their credit score, so take care when acting as an authorized user.

4. You’re a victim of identity theft

If you see a JPMCB Card hard inquiry on your credit report but you’re sure you didn’t apply for a JPMorgan Chase credit account, it could be a sign of identity theft.

If you suspect that someone’s trying to fraudulently open accounts in your name, take these steps:

  1. Contact the company that made the hard inquiry (JPMorgan Chase). Tell them you didn’t authorize the inquiry. Ask them for details (i.e., when and under what circumstances their records show the inquiry was authorized).
  2. Report the identity theft to the Federal Trade Commission (FTC). Go to www.identitytheft.gov and answer the questions to generate an identity theft report and recovery plan.
  3. Contact any of the three main credit bureaus (Equifax, Experian, or TransUnion) and have a fraud alert placed on your credit report. You only need to contact one of the bureaus; they’ll coordinate with the others, and your fraud alert will be acknowledged by all three. 7

You may also want to freeze your credit (or get a credit lock, which is very similar).

Carefully monitor your credit reports over the next few months for further signs of fraudulent activity.

How does JPMCB Card affect my credit score?

There are several ways that JPMCB Card can affect your credit score, depending on whether it’s been reported as an inquiry or an account.

Hard inquiries

As mentioned, a single hard inquiry will have a small, short-term effect on your credit, usually lowering your FICO score by up to five points and your VantageScore credit score by 5–10 points. 8 9

This effect is usually cumulative, so too many hard inquiries can really hurt your score. However, a single inquiry isn’t something to worry about—your credit score ranges from 300 to 850, which means 5 points in either direction isn’t significant.

Open and closed accounts

If you have an open or closed JPMorgan Chase account on your credit report, then it’s contributing to your credit score by influencing the following factors:

  • Payment history
  • Length of credit history
  • Credit mix

If the account is open, then it’s also contributing to your credit utilization rate (also known as your debt-to-credit ratio).

To learn how your JPMorgan Chase account will affect your credit score, familiarize yourself with the factors that make up your FICO score and VantageScore.

Don’t rush to close your JPMorgan Chase account.

Closing an account can hurt your credit score by reducing your available credit (which will increase your credit utilization rate). Use the account occasionally to prevent your creditor from closing it due to inactivity, and only close it if keeping it open will jeopardize your finances.

How to remove JPMCB Card from my credit report

If you want to delete JPMCB Card from your credit report, then try one of the following approaches.

1. Send a dispute letter

If you see an item listed under JPMCB Card on your credit report that you suspect is a mistake, then you can dispute it by sending a dispute letter to JPMorgan Chase and/or the credit bureaus.

Send your letter to JPMorgan Chase if you believe the error originated with them (e.g., they reported a late payment when you actually paid on time). Send it to the credit bureaus if you believe they made the mistake (e.g., they confused you with someone with a similar name or Social Security number).

Either way, it’s usually a good idea to send copies of the letter to both parties (the bureaus and JPMorgan Chase). They may contact each other as they investigate the matter, and it’s important to make sure everybody has received the relevant information.

Credit dispute letter to credit bureau

Credit Dispute Letter to a Credit Bureau

Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. Mistakes in your personal information (e.g., an incorrect address), as well as credit accounts that you don't recognize, should usually be disputed with the bureaus. Often they're the result of the bureau confusing you for someone else.

Build My Letter Now PDF Word

Credit dispute letter to data furnisher

Credit Dispute Letter to a Data Furnisher

Use this credit dispute letter template to file a dispute with a creditor or debt collector. If you recognize a credit account but it's listed with the wrong balance or incorrect status (e.g., if you settled the debt and it's still listed as unpaid), the error may have originated with your data furnisher.

Build My Letter Now PDF Word

Once you’ve filed your dispute, the credit bureau will be required to investigate and correct any inaccurate information on your report, usually within 30–45 days. 10

2. Use a credit repair company

A credit repair company will act as a middleman between yourself and your creditors (and the credit bureaus). They might be able to get a hard inquiry or other JPMCB Card item off your credit report by helping you gather evidence and handling all the required communication.

However, be wary of scammers. By law, credit repair companies are not allowed to charge you before they’ve helped you. 11 If they ask for payment upfront, hire a different company.

Although hiring a credit repair company can save you some time and hassle in disputing items on your credit report, bear in mind that they can’t do anything for you that you can’t do yourself.

They also won’t necessarily be able to erase valid negative information or turn a bad credit score into a good credit score overnight. Think carefully before hiring a third-party company to get JPMCB Card off your credit report.

Takeaway: JPMCB Card stands for JPMorgan Chase, and it can appear on your credit report as an inquiry or account.

  • JPMCB Card can appear on your credit report as a hard or soft inquiry or as an open or closed credit account, either belonging to you or someone who has authorized you to use it.
  • How JPMCB Card affects your credit score depends on your credit history and the status of the account.
  • You can get JPMCB Card off your credit report by sending a dispute letter to the credit bureaus and/or JPMorgan Chase or by working with a credit repair company.
  • If you think that JPMCB Card has appeared on your credit report because your identity has been stolen, file a report with the Federal Trade Commission.

Other Common Inquiries

  • EMS LACS
  • FNB Omaha
  • Factact Free Disclosure
  • Factual Data
  • GECRB/Care Credit
  • LexisNexis/INS/P&C
  • MONRO-DC/CBNA
  • Macys/DSNB
  • MicroBilt
  • NTB/CBNA

Article Sources

  1. Federal Trade Commission. "Fixing Your Credit FAQs" Retrieved November 17, 2021.
  2. JPMorgan Chase & Co. "Our Business" Retrieved November 17, 2021.
  3. Chase. "Sample Cardmember Agreements" Retrieved November 17, 2021.
  4. FICO. "'Score a Better Future’ Increases FICO Score Understanding" Retrieved November 17, 2021.
  5. TransUnion. "How Long Do Closed Accounts Stay on My Credit Report?" Retrieved November 17, 2021.
  6. Experian. "Credit Card Authorized User: What You Need to Know" Retrieved November 17, 2021.
  7. Consumer Financial Protection Bureau. "What Do I Do If I Think I Have Been a Victim of Identity Theft?" Retrieved November 17, 2021.
  8. myFICO. "Credit Checks: What Are Credit Inquiries and How Do They Affect Your FICO Score?" Retrieved November 17, 2021.
  9. VantageScore. "How Much Does Applying for Credit Really Hurt Your Credit Score?" Retrieved November 17, 2021.
  10. Consumer Financial Protection Bureau. "If a Credit Reporting Error Is Corrected, How Long Will It Take Before I Find Out the Results?" Retrieved November 17, 2021.
  11. Federal Trade Commission. "Fixing Your Credit FAQs" Retrieved November 17, 2021.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.