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Here is an interesting result of a recent request for a credit limit increase from my Juniper MC. I have had it over a year, never missed a payment,always pay, use if frequently because of the 7.99% interest. They just ratejacked me to 14.99, which I was dealing with but I only have a measley $500 CL, so I thought if I still want the card at this rate they better increase the limit, well here is my results. Please read from the bottom up since this was all done by email.
Dear Edited, Thank you for contacting us regarding your Juniper MasterCard account. We apologize for the inconvenience. However, we can certainly assist you. Please be advised that our credit department will review your account for a credit line increase every 4 to 6 months automatically. We regularly review our accounts to ensure we provide the best possible terms, while managing any risks that come with unsecured lending. We make adjustments to ensure we can continue to provide you with great benefits you have come to expect with your card. Please know, although you cannot opt out of every change, you can choose to reject some of the changes to your Annual Percentage Rate (APR). Notice of your rejection of these changes must be received by November 27, 2009 in order for the terms to not be applied. Your account however will be closed and you will be required to continue to pay the monthly payments on any outstanding balance under the current terms of your Agreement until it is paid in full.
Please note that you can choose to reject any of the new terms.You will be allowed to opt out by phone or any of the following methods:
Excuse me? I have to prove my income of $200,000.00 a year or more for a increase request on my initial $500.00 credit limit?
First off, I don’t make $200,000.00 a year and never said I did and secondly, is this a joke? If I made that kind of money I would not have a $500 juniper card. LOLAre you trying to get rid of your customers and go out of business? because quite frankly this will do it.If you are telling me the only way to get a CLI on my $500 limit is an income of $200,000.00 a year or more then I will beClosing my account and opting out of the rate increase juniper just hit me with. And you can start that process with this email. This is a travesty and your company has some nerve!!!!! Edited From: Juniper Customer Care [mailto:Correspondence@juniper.com]
I have already drafted my letter to close this account.
Edited to remove your personal name, e-mail, and other account info - llecs, myFICO mod.
WOW. What are they thinking,
If i made $200,000 a year, i don't think i would need a credit card. If i did, i would probably get a BoA secure card with about $100,000 on it, just waiting for it to be converted lol.
I'm sorry this is happening to you but like you told them, they are NUTS
This is the kind of thing that occurs when you try to deal through email. This would have been a totally different exchange had you picked up the phone and called in. They still might have said "No", but you would have gotten to the bottom of all in one call and w/o the $200K claim posted in your file.
And yes, BarclayCard/Juniper is loco. Nothing new there. This is just another sad reaffirmation.
Hi, I personally called Jupiner/Barclays (I have a B&N mastercard) for a cli, use it frequently pay on time,paying several times a month, and I also was told they review accounts which is a lie, and was told the joke lineif I make $200,000 a year I could send in paperwork for reconsideration, I had to really laugh to myself if I made over $200,000 a year would I even consider asking for a cli from this bank or any other bank to matter. Just to say you are not alone. My cl is $2,300.00 and I do not expect any increase
TU-713
EQ-681
@tray wrote:Hi, I personally called Jupiner/Barclays (I have a B&N mastercard) for a cli, use it frequently pay on time,paying several times a month, and I also was told they review accounts which is a lie, and was told the joke lineif I make $200,000 a year I could send in paperwork for reconsideration, I had to really laugh to myself if I made over $200,000 a year would I even consider asking for a cli from this bank or any other bank to matter. Just to say you are not alone. My cl is $2,300.00 and I do not expect any increase. TU-713
EQ-681
Tray, I am with you on the CLI if I made $200,000, I can guarantee you I would not even have a Juniper/Barclay card. You are right, they do lie, they have never reviewed my account for a CLI, and I only have a $500 CL that I had had for more than a year. My request had nothing to do with email, they do not like you to request a CLI no matter what, in fact i have found it very hard to ge through to them by phone, but they have told me before they do not grant requests, they do reviews from time to time.. BS!!!
@Anonymous wrote:
I just recived the Carnival Sea Miles card from them and got $2500 with a 625 TU score that they told me was great..... I got declined online then called.....
The way it was explained to me is that every merchant card is different even if it is funded by the same lender such as (Barclay Bank or HSBC). It is the companies that allow the perimeters/standards that they will accept for a credit card and the bank behind it controls, manages and funds it. That is why one card may accept you and another one not when they are both funded by the same bank.
iwantbettercredit wrote:
CyndibemyLOVE wrote:
I just recived the Carnival Sea Miles card from them and got $2500 with a 625 TU score that they told me was great..... I got declined online then called.....The way it was explained to me is that every merchant card is different even if it is funded by the same lender such as (Barclay Bank or HSBC). It is the companies that allow the perimeters/standards that they will accept for a credit card and the bank behind it controls, manages and funds it. That is why one card may accept you and another one not when they are both funded by the same bank.
This may be true for GEMB products and a few other cards. I do not believe this applies to BarclayCard/Juniper offerings. The credit offering there is solely controlled by BarclayCard. In the case of Carnival Seamiles I know for a certain fact that CCL has nothing to do with the card. If you want to use your rewards to purchase a cruise you cannot even book it through CCL. Your cruise must be booked through the correct travel agency. (Solutions at Sea) I can also tell you the deals through SeaMiles are not good. You can do better elsewhere.
Sorry for the response to your CLI inquiry and the rate increase. There are reports on other credit forums of Juniper using that $200k response for many months. I think they use it for pure shock value, and the CSRs have obviously been mass trained to say that exact amount in some situations to stop people asking for CLIs. I have no idea what triggers it, though.
Even though it's frustrating, just remember to use them for your benefit, then send them packing or into the sock drawer when they're no longer useful to you. You'll be on to bigger/better CCs and CLs as time passes. Good luck!