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JPMCB Card: What Is It And How To Remove From My Credit Report?

Written by Mike Pearson
Updated August 10, 2022

If JPMCB Card has randomly appeared on your credit report, you’re probably wondering what it is and how it got there—especially if you’ve never heard of it before. 

Unknown inquiries are one of the biggest signs of fraud or identity theft but don’t jump to those conclusions just yet. JPMCB might have accessed your account by mistake or you might have issued an account associated with one of the institution’s many private-label credit cards. 

In this article, we’ll discuss everything you need to know about the JPMCB Card credit report. What is JPMCB Card? And most importantly, how do you remove it from your account? Let’s find out. 

What Is JPMCB Card? 

JPMCB Card, also known as JPMorgan Chase Bank Card, is a flagship credit card issued by JPMorgan Chase & Co. 

JPMorgan Chase & Co. is the largest bank in the US and the fifth largest bank in terms of total assets, with US$2.6 trillion assets in its management. 

As the largest bank in the US, JPMorgan Chase provides a number of investment banking and financial services, including credit cards. It also offers private-label credit cards for big-name companies like Amazon and Disney. 

JPMCB Card appears in credit reports under multiple names, including: 

  • JPMCB
  • JPMorgan Chase Bank
  • JPMCB Card Services

Is JPMCB Card Legitimate? 

With the influx of credit scams and fraud, it’s understandable to be wary when an unknown company makes an appearance in your credit report. 

Here’s what you need to know: JPMorgan Chase—the bank that issues JPMCB Cards—is a legitimate organization. It’s actually the world’s largest bank by market capitalization and ranks 24th on Fortune 500’s list of major US corporations by annual revenue.

If JPMCB is on your credit report, you’ve likely issued a Chase card with JPMorgan Chase within the last 12 months. If you haven’t, you might own a credit card with one of the bank’s many affiliates. 

Here are some of the most well-known affiliates of JPMorgan Chase and their respective credit cards: 

  • Amazon – Amazon Prime Rewards Visa Signature
  • Marriott Hotels – Marriott Bonvoy Bold, Marriott Bonvoy Boundless
  • IHG Hotels & Resorts – IHG Rewards Club Traveler, IHG Rewards Club Premier
  • Hyatt Hotels – World of Hyatt
  • Southwest Airlines – Southwest Rapid Rewards (Performance Business, Plus, Premier, Premier Business, and Priority)
  • British Airways – British Airways Visa Signature  
  • United Airlines – United Business, United Club Infinite, United Explorer, United Gateway
  • Starbucks – Starbucks Rewards Visa
  • Ink – Ink Business Cash, Ink Business Unlimited, Ink Business Preferred
  • Disney – Disney Premier Visa, Disney Visa  
  • Iberia – Iberia Visa Signature
  • Aer Lingus – Aer Lingus Visa Signature

Why Is JPMCB Card in My Credit Report?

Now that we’ve discussed the validity of JPMCB Cards, let’s get into the heart of the matter: What in the world is a JPMCB Card doing in your credit report? Should you be worried? 

JPMCB Card can appear in your credit report for the following reasons: 

JPMorgan Chase Performed a Credit Inquiry 

Credit inquiries are entries that appear on your report when an institution—in this case, JPMorgan Chase—performs a credit check on your account. 

Credit inquiries come in two types: soft inquiries and hard inquiries. Depending on the inquiry, these credit checks can either be harmless or harmful to your account. 

Soft Inquiries 

Soft inquiries, also known as soft credit checks or soft pulls, occur when an institution or lender checks your credit as a part of a standard background check. This can occur with or without your permission. 

For example, a credit card issuer can perform a soft inquiry on your credit to see if you qualify for a new credit card or credit card offer. Similarly, your employer might run a soft inquiry as a part of the hiring process to check your credit activity. 

Soft inquiries are completely harmless and won’t affect your credit score. In some cases, they aren’t even recorded at all. 

If you’ve recently inquired, prequalified, or received an unsolicited offer letter from JPMorgan Chase, the bank may have performed a soft inquiry to determine your creditworthiness as part of the verification process. 

Hard Inquiries  

Hard inquiries, also known as hard credit checks or hard pulls, occur when a financial institution checks your credit when making a lending decision. They take place when you apply for a loan, mortgage, or any form of credit card, including reward cards and store cards. 

Unlike soft inquiries, institutions can’t perform hard inquiries without your permission. This is because hard inquiries can lower your credit score by a few points. 

One or two hard inquiries are unlikely to cause significant damage to your report, but you may want to think twice before applying for multiple credit cards at the same time. 

Multiple hard inquiries within a span of a few months could turn you into what lenders call a “high-risk borrower,” as it suggests that you may not have sufficient cash to pay for future loans. 

If you’ve recently applied for a JPMCB Card from JPMorgan Chase or its affiliates, the bank would have performed a hard inquiry as part of the qualification process. 

Though hard inquiries lower your score by a few points, their effect doesn’t last for more than a year in your account. However, the inquiry won’t fall off until the year thereafter. 

Unfortunately, you can’t remove a hard inquiry from your account unless the lender performed a check without your permission or added it to your report by mistake. 

JPMorgan Chase Accessed Your Account By Mistake 

If you’re absolutely sure you have no connection to JPMorgan Chase and its affiliates, there’s a possibility that JPMorgan Chase accessed your account by mistake. 

Clerical errors happen all the time, which is why credit disputes exist. Perhaps one of the employees confused you with someone with a similar name or Social Security number. Or maybe they’ve clicked your account by mistake while trying to access another.

You can resolve this issue by sending a letter to the credit bureau and explaining, in writing, what the error is and why it’s wrong. The credit bureau will investigate the dispute and respond within 45 days. 

Added as an Authorized User on a JPMCB-Issued Card

JPMCB may appear on your credit report if you’ve been added as an authorized user on at least one of its credit cards. 

As an authorized user, you’re allowed to make purchases within the primary account holder’s credit limit without having to repay them from your account. Payment falls under the responsibility of the primary cardholder. 

Being an authorized user has its advantages and disadvantages. 

One potential benefit is that all the primary account holder’s activity will be reported on your credit, including low credit utilization rate and on-time payments. These activities can help you build your own credit score. 

But with this also comes one major downside: if the primary account holder doesn’t keep up with his/her payments, or applies for multiple credit cards in a short period of time, your credit will also be affected. 

If you don’t remember agreeing to become an authorized user, contact JPMorgan Chase and request a removal. They’ll likely ask you to fill out a form to proceed with the removal.

Fraud or Identity Theft 

Among all possibilities, this is perhaps the worst of all. 

If JPMorgan Chase has proof that someone has applied for a JPMCB Card under your name, you’re likely dealing with a case of identity theft. Contact JPMorgan Chase straight away and report the incident. 

Identity theft is a serious crime. The faster it’s resolved, the better. It can take over six months to undo identity theft, and the recovery process can take even longer. So as soon as you notice suspicious activities on your credit report, don’t delay; take action immediately. 

How to Remove JPMCB Card from My Credit Report

If you identify an accurate inquiry or JPMCB expense on your credit report, act fast. Prioritize its removal so it won’t negatively affect your credit score in the future. 

Here’s how to remove JPMCB Card from your credit report: 

Step 1: Ensure the Validity of the Inquiry or Expense 

Before anything, you must first ensure the validity of the JPMCB inquiry or expense to remove the possibility of identity theft. Carefully review your credit report and read through items like repayment dates, recent credit inquiries, total balances, and other elements. 

If you’re not too big on technology or would prefer reviewing your report through paper copies, request a free credit report from Experian, Equifax, and TransUnion from AnnualCreditReport.com. But remember: you can only get one copy every 12 months. 

Step 2: Submit a Dispute Letter

Credit report errors aren’t as uncommon as you might think. In fact, more than 34% of Americans have reported at least one error on their credit report during its inception. 

Here are some common account errors you can dispute: 

  • Late payment reports when you’ve actually paid on time
  • Unauthorized access  
  • Inaccurate creditor 
  • Inaccurate account status; i.e., an account is reported past due when it’s actually current 
  • Inaccurate credit limit/loan amount 
  • Closed accounts reported as open 
  • Debts listed on the credit report more than once 

If any of these errors are listed under the JPMCB Card, write a dispute letter and send it to JPMorgan Chase and/or the credit bureau. 

Explain the situation and identify the item(s) you want to dispute. Be detailed but straightforward, making sure to explain why you dispute the information. 

Near the end of the letter, ask JPMorgan Chase or the credit bureau to correct the mistake and remove the mark from your report. 

If possible, enclose a copy of the report and highlight the items in question. It’s also useful to attach a “return receipt requested,” to ensure the letter is sent and received at the right location. 

Step 3: Report Fraud or Identity Theft 

If you’ve never applied for a JPMCB card or authorized a credit check, you’re possibly facing a case of identity theft. Dispute letters won’t work in this scenario. You need to report the incident to JPMorgan Chase and the credit bureau immediately. 

Here’s what you should do: 

  1. Call JPMorgan Chase and tell them that you didn’t authorize an inquiry. Gather as much detail as possible to help with the fraud investigation, such as when the inquiry was made and under what circumstance. 
  2. Ask JPMorgan Chase to place a free fraud alert on your account to prevent additional damage to your credit report. While you’re at it, contact one of the three main credit bureaus (Experian, Equifax, or TransUnion), and have them report and freeze your account. 
  3. Report the situation to the Federal Trade Commission (FTC) by filling out a form from the official FTC website. The form will ask you simple questions, such as how your information was misused, what company or bank issued the credit card, and when you first noticed the problem. 

Step 4: Contact a Credit Repair Company 

If you don’t have the time or patience to deal with credit report issues, consider hiring a credit repair company to act as a middleman between you and JPMorgan Chase. 

Credit repair companies specialize in correcting, improving, and removing information from your credit card. They can help you remove the JPMCB Card from your account by gathering the required evidence and handling all the required communication. 

These companies save you a lot of headaches and back-and-forth disputes. However, be wary of scammers. Some promise grand (and impossible) fixes, like removing a bad mark or improving your credit score overnight. If it sounds too good to be true, it probably is. 

Keep in mind that credit repair companies aren’t allowed to ask for payment before they’ve helped you. If the company you’re hiring asks for payment upfront, they’re likely scammers. 

Conclusion 

A JPMCB Card is a credit card issued by JPMorgan Chase, a multinational investment bank and financial service. 

If a JPMCB Card has appeared on your credit report, you might have issued a card with Chase or one of its many affiliates. This includes Amazon, Starbucks, Disney, and several well-known hotels and airlines such as British Airways, United Airlines, and Marriott Hotels. 

It could also be a clerical error or a fraud attempt, in which case needs immediate action.  

There are multiple ways to remove JPMCB Card from your account. If it was added as an error, you can submit a dispute letter. If it’s related to fraud, report it as identity theft. You can also hire a credit repair company to help you with the removal. 

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Mike Pearson


Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.