Credit Cards

[ExcellCR]

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armywifey85 wrote:

I dumped Juniper/apple card , BOA, Chase, Macys, Target, Bloomingdales, hubby dumped AMEX, after speaking with reps from USAA and NFCU about having those accounts take up low credit line space on my credit reports that I would receive better CLI's and I started dumping em back on 2008 never lookin back and reps were right on clis are great mortgage rate was locked in at 4.5 It did wonders dumping those accounts!!!

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Good for you. All that dumpin obviously paid great dividends. Congrats!

[MidnightVoice]

I have a Caseys (gas) card at $8.5K and DW has a B&N card at $16K.  Never had any trouble, earned over $500 in free gas and nearly $300 in free books.  APRs about 15%, but it oes not worry me as I pif

[Angel73]

Sorry you had such bad experience.

I have a Juni card with $2k CL and never had an issue.  APR is at 17.24 right now.

Have family member with Juni Biz Card and is one of their favorites with low APR and great rewards.

[dallasjetfan]

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Angel73 wrote:

Sorry you had such bad experience.

I have a Juni card with $2k CL and never had an issue.  APR is at 17.24 right now.

Have family member with Juni Biz Card and is one of their favorites with low APR and great rewards.

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Not a bad experience until yesterday and it was more annoying than anything.  All CCC's are the same so it s no big deal for me.  I don't need lots of CL's since I can pay cash for basically anything other than a house and I might be able to do that in 2 years.  It just feels good dumping these POS companies!!

[pattycake]

Juni is on my list for the SD.  If they cancel, they cancel, I no longer care at this point, I have other, better cards!

[creditwherecreditisdue]

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pattycake wrote:
Juni is on my list for the SD.  If they cancel, they cancel, I no longer care at this point, I have other, better cards!

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Use it once a quarter. They don't like disuse.

[cabarkeep]

my juniper has a 4500 limit and 8.99 rate ..so far so good ...no cld no apr rate jack

[ExcellCR]

Just goes to prove some have good experiences with Juniper, HSBC, GEMB, B of A, Chase... and some don't.

[AboveAverage]

I had both B&N and Apples Itunes. Initally, B&N was $800, but when I tried going to the Itunes and got denied, the rep said that he would cut my B&N limit and make it $500 and the Itunes $300. But if I call back in a few months I would get the original $300. Needless to say I got the $800 back on B&N but they would not budge on the Itunes. I told them if they gave me a limit that would allow me to buy the most expensive IPOD, I could fully utilize the card. Needless to say, it was a waste of time.

I closed the Itunes card and demanded that they rollover my limit from Itunes to B&N for the whole $1100. After reading what you guys are getting (have gotten) I really have a pitiful amount. I think my APR is 16.24% too but hey, I PIF so I don't give a *blank*.

I use my card every month, so disuse shouldn't be an issue. My card also expires 8/10 (a whole 12 months). I should be in a much better bargaining position to get a much better CLI. In the year I have had B&N I've gotten $100 plus saved a few bucks at B&N.