Its not a scam. JCPenny's credit is done by GE Money. I worked for them, they have people from India and Ohio calling on accounts. Most likely you're getting the call because you aren't paying your bill. I'd suggest paying it, and you'd be ok, or call the number on the back of your card. The 330 area code is because the calls are coming from lines in Canton, OH, but they cannot take incoming calls.