Reply
New Contributor
Posts: 76
Registered: ‎04-17-2007
0

Re: Juniper/Barclay 10 day hold on funds

I pay both my Carnival and Juniper from their website, and have never noticed a 10 day hold, whether the payment is small or large. Perhaps it's because this was your first payment...?
 
Super Contributor
Posts: 8,195
Registered: ‎03-25-2007
0

Re: Juniper/Barclay 10 day hold on funds

I transfer from my bank, and it appears on the Juniper site the day after I send it, which is as it should be.
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 Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: Juniper/Barclay 10 day hold on funds

[ Edited ]
That is one thing I dont like about the card. They can initiate a ten day hold on any payment they consider large at any time.  Not sure how true this is but a friend (someone I kinda trust) actually said this caused him to be charged a late fee when his payment was scheduled for the due date.
 
Sucks especially when hey have your money in a matter of days. Hasnt happened to me yet but just to make sure I pay te minimum on the day the statement falls and anything else is scheduled on the due date


BTW watch out for CLDs.. If they think you have too much avail credit ANYWHERE they have a habit of lowering limits

Message Edited by Brammy on 08-18-2007 05:47 PM
New Contributor
Posts: 67
Registered: ‎07-27-2007
0

Re: Juniper/Barclay 10 day hold on funds

Juniper does credit the payment when it is made, but the funds are not available for use.
Frequent Contributor
Posts: 256
Registered: ‎06-04-2007
0

Re: Juniper/Barclay 10 day hold on funds

I had a similar experiance with Credit One Bank.  They held my 1st payment, however we have been perfect friends ever since.
 
WBLAKE
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

Re: Juniper/Barclay 10 day hold on funds



Doodah wrote:
Juniper does credit the payment when it is made, but the funds are not available for use.

 
In that case i have no idea if they ever held me or not.  Only use the card every blue moon.

Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007
0

New reson to hate this card

[ Edited ]
I've heard tales of this card's infamous credit limit decreases, I have had my card for a year now.  Never late never over limit don't use it much.  Finally took a close look at my credit report and these people have been softing my file 4Xs a month.  What the heck.  Seems like they are just looking for anything they can find.  Haven't had a CLD or anything its just the thought that not only are they doing it monthly, and most banks only do that the first six months, these folks are peaking into my file on a weekly basis.


Message Edited by Brammy on 08-19-2007 10:11 PM
New Contributor
Posts: 71
Registered: ‎04-29-2007
0

Re: New reson to hate this card

I received a credit limit decrease from Barclays/Airtran Visa. I happened to call today to ck the bal and my CL went from $1500 to $250. When I got home I had a letter from Barclays telling me about the decrease.  The reason given is too many inquiries and too many new cards.  When I started my credit recovery it was the very 1st card applied for and approved. Oh well. Did a bal trsfr and put the card in the do not use file. I guess it wasn't meant to be.
Super Contributor
Posts: 8,195
Registered: ‎03-25-2007
0

Re: New reson to hate this card

This is going to happening more and more - check out the news forum.  The subprime mortgage debacle is spreading fast and everyone is getting jumpy
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
Valued Member
Posts: 28
Registered: ‎05-29-2008
0

Re: Juniper/Barclay 10 day hold on funds

Off topic....credit4me I noticed you aggressively increased your scores in a 9 month period of time...I'm new to the forum and trying to do a 100 point turn in the next six months if possible. Can I ask what your method was?
 
Thanks!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.