FYI - Juniper CLI Process

[krielly]

Just posting for your info. I emailed Juniper to ask about the process for CLI, if it was automatic, and if it was hard or soft pull either way. Here is the response:

Thank you for contacting us regarding your Juniper MasterCard account.

"We understand your concerns regarding your credit limit. Please be advised that our credit department will review your account for a credit line increase every 4 to 6 months automatically. We can also review your account to determined if you are eligible for a credit limit increase at your request.

Please be advised in order to see if you qualify for a credit line increase, we would have to review your credit report. When we review your credit report it is considered a "Soft Inquiry". This means that the inquiry can only be seen by you and no other creditor nor does it effect your credit score in any way.

If you would like to have your account reviewed for a credit limit increase please reply to this message or contact the number on the back of your card."

I've had the card almost 6 mos, so I'll probably just wait for an automatic review.....

Just thought I would share the info.

K

[Anonymous]

Good to know.  Thanks for the post.  Good luck on the CLI

[iwantbettercredit]

I just love when they say they check accounts automatically every 4-6 months.  That simply is not true, I have had my card for nearly 1 year. They never reviewed my account.  I asked for a CLI last months and thet denied me.  I have never been late, and have an excellent payment history on all my cards.  They just dont give CLI freely, they are stingy. 

[krielly]

Yup, I didn't get my CLI. The CSR on the phone told me 6-8 mos......so which is it? Also, she implied that I didn't need to ask for a CLI, they would automatically review.......

RIGHT

oh well..............in 2012, all my baddies will be gone.......I'm sure the time will fly right by

[Romeoo47]

Thanks krielly for that information; however; that has not been my experience with Juniper or Barclays.  The one CLI that I received I requested and it was hard inquiry after having the card for 10 months.  I have not received any auto CLIs but I have noticed that they review my CR monthly. 

[Anonymous]

I was just wondering how much of a credit line you guys have with Juniper.  Mine is 1000.  I have been with them since 07, should I request an CLI? dP

[Anonymous]

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@Anonymous wrote:
I was just wondering how much of a credit line you guys have with Juniper.  Mine is 1000.  I have been with them since 07, should I request an CLI? dP

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I have had my card a little over a year. I started at $1000 & a few of Months ago I called and was raised to $2500.Try the backdoor #.

[Anonymous]

have had juniper card for 3 years started with 3000.00 cl , used the card alot never got increase as matter of

fact they gave me a cld about 4 months ago to 1700.00 credit score at time was 786 and 746 not good card

to deal with

[MidnightVoice]

Self - Juniper card for 2+ years no auto CLI

DW - Juniper card for 15 months and no auto CLI

[Anonymous]

Do they always check your credit report before a CLI?  Would it be more beneficial to get a new card rather than request a CLI?  dP