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No one can give JCP customers the effective date of the change in return policy or exactly what the percentage of purchases versus percentage of returns triggers this sudden refusal to return. I appears that JCP has been keeping track of all credit card transactions since 2010....7 years.....this is crazy. Points fall off of your Drivers License after a period of time but your return history is yours for life with this company. For any card I used at JCP I am going to ask for a new charge number I am not comfortable with this company in California having SOOO MUCH information. I believe this may have some legal ramifications since they did not publish this policy. Well.....guess it is good bye.....a shame I shopped for 6 family members there and while I have XX in returns I had XXXX in purchases that were kept as MANY others here. Lets not be surprised when they suddenly close their doors,