JUNIPER CARD

[Anonymous]

I recently recieved my Juniper credit card with a 600 dollar credit limit. I have read some negative comments on different sites about this card. Before I activate this card, I would love some input from others about this card good or bad comments. Should I stay away from this card or activate it and keep it? Thanks for any input. 

[Anonymous]

I have had my Juniper card since the beginning of June.  I haven't had any problems with it.  Their customer service isn't the best, but I do like their website.  It's very easy to maneuver around and pay your bill.  I usually pay in full, but I do like the low interest in case there is a month where I need to carry a balance.

[llecs]

I got a Junny SeaMiles at the start of my repair process and was approved for $400. To echo prev. poster's comment: CSR isn't all that great. I do have an issue with the payments. I found that if you make two payments within 2 weeks from each other, Juniper will reverse the funds from the first payment and put a hold on the second and keep both in a pending status for up to two weeks. It happened a few times to me, but in every case they would at least credit the payment (funds just aren't available).

If you already opened it, the damage is already done to your credit report (new account). Score-wise, there is no benefit in not activating it.

[Guardian]

I have had a Juniper card for a while now and I must agree that they have terrible customer service, if you dispute anything it will take forever for them to even acknowledge it but overall their site is easy to navigate, you can pay easily and even ahead of time if you want (more than the balance or pending charges that haven't posted) which other banks won't let you.

The interest rates are a bit high and their TransRisk score (FAKO) is cool for the sake of being cool but relatively useless. As a main use card, I would say probably not a good choice but for a backup or failsafe, pretty good. Although be careful since they like to suddenly freeze the account if a charge posts without calling you about it. You will find out when you get declined and call in and they will give you some bull about it.

Anyway, mixed feelings about it, hope it works out for you. Good luck.

[SherriLynn]

Got my Juniper MC last month.  Great rate, good CL, did a BT. 

[jaysdad2k]

I got a BJ's Juniper card in April. I like it! They let one make multiple payments, and the cutoff date is consistent, so I can use it then PIF it each month.

I did call them once when I ordered some flowers out of state, and they told me they'd already approved it. Whereas I feel that brief cringe every time I hand over my Costco TC Amex, I feel that this card is going to be accepted. And so far, so good.

They started me at $3,000, so we shall see if any auto CLI is in order soon.

[MidnightVoice]

DW ($16K) and I ($8.5K) both have one with no problems.  Pay multiple times a month from my bank accounts, goes through quickly.

Had a fraudulent charge that they recognised and they were quick to deal with it

[Anonymous]

I can't even fathom the issues llic is having. I've made multiple (several) payments each month since I've had the card with no problems. I got a high starting credit limit and %7.9 interest rate. It's my best card so far.

[llecs]

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@Anonymous wrote:
I can't even fathom the issues llic is having. I've made multiple (several) payments each month since I've had the card with no problems. I got a high starting credit limit and %7.9 interest rate. It's my best card so far.

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Here's some other stories:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=53179&query.id=410358#M53179

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&message.id=60219&query.id=410346#M60219

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=3583&view=by_date_ascending&page=1

Now in fairness, I have been sending one payment only since early summer and haven't had any problems. I also found in reading these that someone posted that a Junny CSR said that it is SOP if your account is 4 months or younger. Maybe it is a YMMV thing

[Anonymous]

Might as well activate it- it's already on your credit report- and shouldn't have an AF>