Reply
Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Another CLI from Juniper

I am a little out of practice at checking my CLs, but when my DW's Juniper B&N bill came in ($zero due  :smileyvery-happy:), I found that here CL had gone up $3K, to $19K.

 

Must have been recently, and it is close to her anniversary, but nice.

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Another CLI from Juniper


MidnightVoice wrote:

I am a little out of practice at checking my CLs, but when my DW's Juniper B&N bill came in ($zero due  :smileyvery-happy:), I found that here CL had gone up $3K, to $19K.

 

Must have been recently, and it is close to her anniversary, but nice.


 

Congrats! That's a lot of books!
Super Contributor
DI
Posts: 5,744
Registered: ‎01-28-2008
0

Re: Another CLI from Juniper


MidnightVoice wrote:

I am a little out of practice at checking my CLs, but when my DW's Juniper B&N bill came in ($zero due  :smileyvery-happy:), I found that here CL had gone up $3K, to $19K.

 

Must have been recently, and it is close to her anniversary, but nice.


Wow!  That's a big jump!  Congrats!  I'm sure they would love for you to spend the whole $19,000 with them.  That's enough to start a small home library. 

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Another CLI from Juniper

$16K to $19K = $3K/$16K * 100 = 18.75% increase. Most CLI's are in the 20% range unless your starting out with a toy limit. I get about 20% from Citi on every CLI.
Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: Another CLI from Juniper

To me the strange thing is the differenvt CLIs from my two different Barclay's cards.  My Casey's card uses 10-20 % of its CL every month, and CLIs have beeen very rare.  The B&N card usually uses 0.3 % of its CL some months, and was nearly maxed out once (last summer, deliberately to get gift cards  :smileyhappy: ) and CLIs pop up every now and again.

 

Both Cards are PIFfed every month

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Another CLI from Juniper


MidnightVoice wrote:

...The B&N card usually uses 0.3 % of its CL some months, and was nearly maxed out once (last summer, deliberately to get gift cards  :smileyhappy: ) and CLIs pop up every now and again...

* ponders the thought of nearly $16K worth of B&N shopping and gift cards *

* pours a glass of Pinot Grigio in an attempt to settle back down *

Congrats on the CLI! My measly $500 that I turned back in has long ago been swallowed up by this card, that's for sure.

I always did think that the B&N MC was the "good" Barclay's/ Juniper card. Well, along with the other card that stirs up WW III whenever it is mentioned, lol.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Another CLI from Juniper


haulingthescoreup wrote:
* ponders the thought of nearly $16K worth of B&N shopping and gift cards *

That thought crossed my mind earlier. (I left it for you to say.) That is a whole lotta books!


haulingthescoreup wrote:
I always did think that the B&N MC was the "good" Barclay's/ Juniper card. Well, along with the other card that stirs up WW III whenever it is mentioned, lol.


If I had any idea which other card you were talking about I might tend to agree with you. (BTW - The permanently waived AF deal is over. I knew I should have app'ed that one while the app'ing was good! I am pretty sure I would have been approved.)

Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
0

Re: Another CLI from Juniper

Just to get this straight - it was nearly maxed out paying for a new retaining wall so our house did not slide gently down the slope on our lot  :smileyhappy:

 

It resulted in about $250 worth of B&N gift cards  :smileyvery-happy:

 

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Another CLI from Juniper


MidnightVoice wrote:

Just to get this straight - it was nearly maxed out paying for a new retaining wall so our house did not slide gently down the slope on our lot  :smileyhappy:

 

It resulted in about $250 worth of B&N gift cards  :smileyvery-happy:

 



Oh, OK. * lets go of image of a ton of books *

I'm glad your house stayed put (presumably), and that's an excellent example of how to use CC's to generate some rewards.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Valued Contributor
Uborrow-Upay
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Another CLI from Juniper


MidnightVoice wrote:

Just to get this straight - it was nearly maxed out paying for a new retaining wall so our house did not slide gently down the slope on our lot  :smileyhappy:

 

It resulted in about $250 worth of B&N gift cards  :smileyvery-happy:

 


If I may (seeing as this is a Barnes & Noble card) ...

 

 

Do not slide gentle down that hill at night,
Charge, charge a walled solution to your plight...

 

 

(with apologies to Dylan Thomas) 

 

 :smileyhappy:


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}