http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42250#M1691 <div>Yet, they are sending her 8.99% offers in the mail for the same exact card. Can she get approved for the same type of card twice?</div> Wed, 01 Aug 2007 12:51:18 GMT section8 2007-08-01T12:51:18Z http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42244#M1688 <div>A note from my recent statement on a Juniper/Barclys card:</div><div> </div><div><p align="left"><font size="2"><em>IMPORTANT ACCOUNT NOTICE</em></font></p><font size="1"><p align="left"><font size="2"><em>Please note we do not engage in a practice known as &quot;Universal Default.&quot;</em></font></p><p align="left"><font size="2"><em>Universal default permits a credit card company to increase your APRs simply because you</em></font></p><p align="left"><font size="2"><em>fail to make a payment on a loan with another lender or your credit history contains other</em></font></p><p><font size="2"><em>negative information</em></font>.</p></font></div> Wed, 01 Aug 2007 12:32:32 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42244#M1688 MidnightVoice 2007-08-01T12:32:32Z http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42248#M1689 <div>Yea, but they raised my wifes APR to over 30% when we where never late. Maybe because of the balance carried?</div> Wed, 01 Aug 2007 12:45:49 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42248#M1689 section8 2007-08-01T12:45:49Z http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42250#M1691 <div>Yet, they are sending her 8.99% offers in the mail for the same exact card. Can she get approved for the same type of card twice?</div> Wed, 01 Aug 2007 12:51:18 GMT http://ficoforums.myfico.com/t5/Credit-Cards/Juniper-Barclays-and-Universal-Default/m-p/42250#M1691 section8 2007-08-01T12:51:18Z