不能怕麻煩

you need get all things in written. send a inquire or protest to the headquater of the jcp with a of copy of your bill which show the reason for delay. send a copy of your protest to the three credit bureaus and ask them to delete the related record and correct credit repoart. you may ask the free credit report when you were denied for your new credit application. it takes time. it iwll take more time if you do not correct your credit record. you will get troubles when you apply a car loan, hoe mortgage, and many others. do it now.