topic Re: No luck reversing Juni CLD via Backdoor Number in Credit Cards

No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 15:22:57 GMT

Wish I had had the same kind of luck Remy had (remydogman's success story post on Backdoor Numbers thread) with Juni. I just called the backdoor number. Spoke with a very nice lady and they did the authorized hard pull.

No increase for me although she did say that my history with them and CR in general is good. She said just keep doing what I've been doing and call them back in 2-3 months.

I took the opportunity to tell her exactly what I thought about how they have done their customers and asked if if Juniper cared about the negative effects their decision to drop cl's has had on consumers. I got an apology but no increase.

If I didn't need the cl I'd dump this card.

(This post was split off from the Backdoor Numbers thread - trying to keep Backdoor Numbers from becoming ginormous again. - Scamp)

Message Edited by Scamp on 01-27-2009 07:22 AM

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:16:39 GMT

goingforadream wrote:
Wish I had had the same kind of luck Remy had with Juni. I just called the backdoor number. Spoke with a very nice lady and they did the authorized hard pull.

No increase for me although she did say that my history with them and CR in general is good. She said just keep doing what I've been doing and call them back in 2-3 months.

I took the opportunity to tell her exactly what I thought about how they have done their customers and asked if if Juniper cared about the negative effects their decision to drop cl's has had on consumers. I got an apology but no increase.

If I didn't need the cl I'd dump this card.

Did she at least give you a reason why you were denied an increase?

(edited to fix reply title to match new OP title)

Message Edited by Scamp on 01-27-2009 08:16 AM

Re: No luck reversing Juni CLD via Backdoor Number

ChesterPDexter — Tue, 27 Jan 2009 16:17:44 GMT

What's funny is that they told my husband the same thing: "Keep doing what you're doing and call back in a few months."

He was only asking for a CLI, though. He's had a card with a $500 limit and 22% interest for 15 months now, with perfect payment and a varied pattern of utilization (sometimes paid off, sometimes charged halfway up, sometimes all the way up and then paid back to zero.) I think this is what card issuers like to see, BTW. They like to see that you can run it up and pay it back down and then use only part of the credit. Perfect payment history, too.

This was after she told him that they are giving out "very, very few CLI's." She said this more or less immediately, without taking much time to research the matter. She also told him that 22% is the lowest rate he is eligible for.

I'm sure they have various "grades" of cards and he seems to be stuck in crappy grade.

(reply title edited to match OP title)

Message Edited by Scamp on 01-27-2009 08:17 AM

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 16:20:07 GMT

Scamp...sorry bout that. I should have started it as a new post to begin with. (no worries!)

Oracles...no reason given other than the need to lower their own bottom line. I asked her if Juni was aware that they were doing so at the expense of the consumer and she actually said no. That's when we got into the discussion about util and people having to go out and seek credit to make up the difference and in some situations not being able to get more credit because of the false max out and score drops r/t them dropping lines. Her response was that most people aren't aware of the effect util has on their scores. (Makes me wonder if they were banking on getting minimal reactions to their decision to drop lines).

She did say that along with reviews to drop lines, there will also be periodic reviews to increase lines and if I just keep doing what I've been doing, I should get an increase. She also mentioned reviewing my other accounts in order to eval for an increase---isn't there something about this in that bill of rights?

Anyway, I'm feeling a little bit distraught right now. I, like so many others here have busted butt to make things right after being in the pits of the credit world and I'm wondering what's the point if factors beyond our control can just knock us right back down again.

Maybe it's just winter blahs

(title edited to match OP title)

Message Edited by Scamp on 01-27-2009 08:20 AM

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:20:49 GMT

I am really sorry about this goingforadream.

the only thing we can do that is in our control is to pay our bills quickly.

This way we will be in the driver's seat and then these same companies will be begging us for our business and we will be able to tell them yea or ney.

Message Edited by Scamp on 01-27-2009 08:20 AM

Re: No luck reversing Juni CLD via Backdoor Number

ChesterPDexter — Tue, 27 Jan 2009 16:21:14 GMT

Oracles is right. In this economic climate, people who formerly had great or good credit are slipping, and those of us who are doing everything right will eventually prevail. I just feel that in my gut. Eventually the banks will realize who the valuable customers are.

Message Edited by Scamp on 01-27-2009 08:21 AM

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 16:21:37 GMT

Oracles,

I'm wondering about the wisdom of appling for another card but I don't want my cr hit with an inq that results in a denial.

Juni just pulled TU and a couple of days ago I had all 3 hit when I took out a small bank loan to pay for having my transmission replaced (shop just opened up after splitting up a family business and isn't set up for credit cards yet). I'm planning to use tax refund to pay the loan off and pay off cc balances. You think I should go for it or wait? I'm still waiting for one of my W2's to come in so refund might be like a month off yet.

Message Edited by Scamp on 01-27-2009 08:21 AM

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:22:02 GMT

goingforadream wrote:
Oracles,

I'm wondering about the wisdom of appling for another card but I don't want my cr hit with an inq that results in a denial.

Juni just pulled TU and a couple of days ago I had all 3 hit when I took out a small bank loan to pay for having my transmission replaced (shop just opened up after splitting up a family business and isn't set up for credit cards yet). I'm planning to use tax refund to pay the loan off and pay off cc balances. You think I should go for it or wait? I'm still waiting for one of my W2's to come in so refund might be like a month off yet.

What does your credit report look like?

You definitely need to place yourself in a great position to be approved, therefore indeed wait until you have that money and pay down your bills. You will have a lower util% and your score will increase.

Waiting 1 month is nothing and can be the difference between approved and denied.

How many inquiries have you had in the last 6 months? Have you tried first to see if you can get increases from your other credit cards?

give us some more info pertaining to your reports.

Message Edited by Scamp on 01-27-2009 08:22 AM

Re: No luck reversing Juni CLD via Backdoor Number

Scamp — Tue, 27 Jan 2009 16:28:27 GMT

Whew - okay, everybody who posted above, I forgot to fix the title of oracles' first reply to going when I created the new thread, so that reply and everyone else's still referred to the backdoor numbers thread. I just went through and fixed all the titles, so if your post says it was edited by me, it's just that (y'all were posting so fast on here, I gave up inserting indivdual notes explaining what my edits were! lol)

Just so you know why your posts now say I edited them. :smileywink:

I now return you to your regularly-scheduled thread discussion. :smileytongue:

(edited for typos)

Message Edited by Scamp on 01-27-2009 08:28 AM

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 16:39:23 GMT

Scores listed below are most recent. I have no collections. BK 2003 with a judgement (paid) from prior to bk. 1 judgement (also paid) since bk that is currently being disputed because it does not belong to me.

Juni has $900 balance (from Christmas) with limit off 1k (was $2250 before they dropped my line).

Wamu has a $400 balance with 3k limit. Denied cli--I'm waiting to find out what happens with this one. I did get a letter re new terms

Best Buy $400 limit and I just spent $60 of it to keep the card active. Denied increase stating it's not a card they can increase but I'm welcome to app for another BB card

Lowes just gave me an increase to something over 2k with $700 balance.

Wells fargo (furniture store card) has 5k limit with 2k used.

I owe 8k auto loan to wells fargo and 90k on my house

The there's the $2400 bank loan I just picked up the check for yesterday.

I made approx 60k last year and on track for about 55k this year.

All accounts are in good standing with no lates on anything

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:45:33 GMT

goingforadream wrote:
Scores listed below are most recent. I have no collections. BK 2003 with a judgement (paid) from prior to bk. 1 judgement (also paid) since bk that is currently being disputed because it does not belong to me.

Juni has $900 balance (from Christmas) with limit off 1k (was $2250 before they dropped my line).
Wamu has a $400 balance with 3k limit. Denied cli--I'm waiting to find out what happens with this one. I did get a letter re new terms
Best Buy $400 limit and I just spent $60 of it to keep the card active. Denied increase stating it's not a card they can increase but I'm welcome to app for another BB card
Lowes just gave me an increase to something over 2k with $700 balance.
Wells fargo (furniture store card) has 5k limit with 2k used.
I owe 8k auto loan to wells fargo and 90k on my house
The there's the $2400 bank loan I just picked up the check for yesterday.

I made approx 60k last year and on track for about 55k this year.

All accounts are in good standing with no lates on anything

How much will you have in available funds?

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:46:10 GMT

Scamp wrote:
Whew - okay, everybody who posted above, I forgot to fix the title of oracles' first reply to going when I created the new thread, so that reply and everyone else's still referred to the backdoor numbers thread. I just went through and fixed all the titles, so if your post says it was edited by me, it's just that (y'all were posting so fast on here, I gave up inserting indivdual notes explaining what my edits were! lol)

Just so you know why your posts now say I edited them. :smileywink:

I now return you to your regularly-scheduled thread discussion. :smileytongue:

(edited for typos)
Message Edited by Scamp on 01-27-2009 08:28 AM

hahahaha Scamp you are definitely one of the best

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 16:52:03 GMT

How much will you have in available funds? I'm having a dense moment--not sure exactly what you're asking.

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 16:59:30 GMT

hahaha lol no problem

How much money after you receive your tax refund check will you be able to put towards paying down your bills?

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 17:19:31 GMT

Ok...that's kinda what I thought you were asking. I'm expecting to get a refund this year but not sure how much. 1st time home buyer, HOH, 1 dependent, and whatever else I can dig up to legally itemize. I'm debating on the tax credit and at this point I'm not real sure I'm even going to qualify. I'm also in the discussion process with Ford as the transmission problem I had was product quality with failure at 55k miles--but it's not under warrenty so I'm not holding my breath. But regardless, by next month the only cc i'll have balances on are the well fargo furniture store card and the Juni. In the course of a normal month I generally have $500-$1000 free after bills (unfortunatly the last 3 months have not been normal).

I'm hoping for 2-3k refund depending on that home buyer credit and i'm also hoping I get more than what I'm hoping for :)

Message Edited by goingforadream on 01-27-2009 09:19 AM

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 17:25:43 GMT

Since the wells fargo is already under 50% in util%, i would try to get the juni card under 50% util% first. Try to have only one card report a balance if possible (make sure it is under 50%util%, if not then have 2 cards report under 50% util).

You will indeed lower your util% and increase your fico score.

having less than 1/2 of all accounts reporting a balance and getting the util% lowered, will increase your score alot.

I would also say to wait until you get that judgement off your report first before you apply for another card.

if it is not yours, let the CB's investigate and remove before you apply. this will also give you an increase in score.

Patince is a virtue and can mean the difference between approval and denied, and approval with low limit and decent limit.

Re: No luck reversing Juni CLD via Backdoor Number

goingforadream — Tue, 27 Jan 2009 17:49:50 GMT

I appreciate your advice oracles and will try to work on patience a bit. I've already disputed the 1 judgement and I am waiting for a response.

Re: No luck reversing Juni CLD via Backdoor Number

oracles — Tue, 27 Jan 2009 17:57:04 GMT

No problem, and please keep us updated