jpmcb card

What is JPMCB Card on my credit report?

Depending on the type of credit cards in your wallet, you may not have realized that your card issuer is Chase, formally known as JPMorgan Chase Bank. 

What is JPMCB?

If you are curious as to why this is coming up on your credit report, take a look into your wallet. Chances are, one of your credit cards is a Chase card, or a JPMCB card. JPMCB stands for JPMorgan Chase Bank. If you use any of JPMCB card services, this could be why you see this on your credit report.

Credit cards that are currently issued by JPMCB include:

  • Amazon Prime Rewards Visa Signature Card
  • Southwest Rapid Rewards® credit cards
  • Marriott Bonvoy credit cards
  • World of Hyatt credit card

This excludes any debit cards or checking accounts as those do not require a credit check.

Why is there a JPMCB Card  on my credit report?

You may see the acronym JPMCB on your credit report as “JPMCB Card Services.” If you have a credit card through this financial institution. JPMorgan Chase Bank can show up for several different reasons, including:

Hard and soft inquiries

Hard inquiries: If you have ever applied for a Chase card and have authorized your bank to check your credit, a hard inquiry from JPMCB card services will be on your credit report. 

It is important to remember that a hard credit inquiry can negatively affect your credit score. Hard inquiries can be in your credit history for up to two years, meaning that they can show up on your report even if you have not recently applied for one of Chase Bank’s financial products.

Soft inquiries: You may also see something labeled as “soft inquiry” on your credit report if you attempted to prequalify when you applied for a credit card. Although it may show up on your report, it will not impact your score.

Unauthorized hard inquiries: If you happen to spot JPMCB on your report and do not remember authorizing a hard inquiry, it can be unsettling. Before panicking, there are a few steps you can take to investigate the claim.

  1. Check with the company

The first step is to check in with the company that pulled your credit. Ask them for proof that you authorized the inquiry. In the event that they cannot provide it, request it to be removed from your report. 

  1. Report it to the FTC website.

The Federal Trade Commission’s website IdentityTheft.gov, is a great place to go if you suspect fraud. In addition to reporting it here, you may also want to file a police report if you believe you are a victim of identity theft.

  1. Freeze your credit

Freeze your credit to prevent identity theft and to stop thieves from using your personal information further. You may have to contact the three credit bureaus separately to do this.

While the freeze is in place, you will not be approved for new lines of credit. It is important to remember that a freeze will not protect your credit score, but instead will prevent any new hard inquiries from occurring. 

  1. Place a free fraud alert on your credit.

You can place a free fraud alert on your credit with the three major credit bureaus.

  1. Dispute the inquiry.

Another line of defense is to dispute the unauthorized hard inquiry with each credit bureau. These credit monitoring services must investigate every dispute and update any information that may be incorrect.

Authorized Users

If someone has added you as an authorized user on their credit cards, this could be another reason why you are seeing JPMCB on your credit reports.

Authorized users have the ability to make purchases on a primary cardholder’s account. By being an authorized user, the primary cardholder has added you to their account and has asked the credit issuers to extend the terms of use to you. 

There are a variety of benefits that come with being an authorized user. When you are in this role, their account and its activity will be recorded on your credit. This means that on-time payments and low credit utilization will help you build your card. However, if the primary cardholder is frequently late on payments, it can negatively impact your score.

Next steps

It is important to routinely check your credit reports for mistakes. According to a 2013 study by the FTC, one in five people find errors in their reports. These mistakes can impact your score and be the difference between being approved for a loan or not, receiving favorable loan terms, and being approved for a credit card.


Remember to request a free copy of your credit report at annualcreditreport.com from the major credit bureaus (one free credit score is a United States legal requirement). Adding credit monitoring can also be a great way to help you identify and dispute any errors on your reports. The faster you take action, the more likely you are to minimize any long-term damage to your credit history.

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