Problem with looking up credit cards now is that Penneys (along with Sears and Wards in 1988) outsourced their credit (Penneys to GE Capital, Sears to Citicorp, Wards to GE Capital) and the direct connection is severed. Essentially, GE Capital writes a biiiiiiiig check every night to Penneys for all the credit sales done during the day (probably less a percentage).
Wards Catalogue stores in St. Louis....there was one at Chippewa/Hampton (actually across from the 1st shopping-center based Penneys in Hampton Village which opened in around 1949 and is still open) and there was one in Kirkwood (suburb). Think there might have been one in Florissant or somewhere far north, and probably one in Belleville/Metro East.
I worked for Wards credit (GE Capital) from 1989-1992...that was after Wards catalog had closed (apparently they induced a lot of entrepreneurs to set up new/remodeled catalog stores in the 1985/6 timeframe then shut down catalog in 1987/8 so there were lots of lawsuits.
When I was at GE Capital, Wards had 3 tiers of stores....metro stores in multiple store markets...this was like Los Angeles/San Francisco/Denver/Kansas City/Minneapolis/Chicago/Dallas/Houston/Tampa/Washington where they had multiple stores (generally but not always in second-tier malls in those cities, though there were exceptions like in Overland Park Kansas where they (and Penneys) were in the premier mall and Sears was relegated to an also-ran mall), metro stores in single store markets (big stores in the one-and-only mall in town, like Albuquerque/Lansing/Columbus, GA/Greenville, SC/Laredo TX), then small stores which had hard goods, auto and limited soft goods--these stores were rather oddly clustered and situated, like Lockport NY/Carlisle PA/Bedford PA--but had very limited competition so were very profitable (remember this was before WalMart in much of the country).
Strangely, the only line of business in which Wards was not an also-ran was mattresses...they did very well with them as a whole nationwide. They also were, as I recall, the biggest La-Z-Boy seller in the US. During that period, as I recall, they sold Norge and White-Westinghouse privatelabel laundry, Norge private label refrigeration, White Westinghouse privatelabel dishwashers, ?? (probably @@) ranges