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Valued Member
Posts: 30
Registered: ‎09-21-2007
0

Juniper CLD... Recon Success

So I received a letter yesterday from Juniper that they were decreasing my credit line by $300, granted that isn't much but still aggrevating.  I called the backdoor number this morning to find out why since I have never missed a payment and always pay more than the minimum.  I do carry a balance on the card because I am using it to finish my basement remodel, but overall UTI is below 30%.  After speaking to Sam in the credit analyst department he agreed that I manage my credit well and have an great history with them so he reversed the decrease and put it back to my original limit. 

8/2012 TU 693 EQ 698
9/14/2012 TU 718 (Discover's score included in welcome letter)
9/14/2012 EX 717 (Amex Score)

Discover More $4000, Chase Freedom $6000, Amex BCP $6000, Barclays/Juniper $3600, Care Credit/GEMB $5000, Orchard Bank $1850
Established Contributor
Posts: 839
Registered: ‎10-28-2011
0

Re: Juniper CLD... Recon Success

Good news

Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Juniper CLD... Recon Success

What was/is your limit? $300 seems trivial lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Member
Posts: 30
Registered: ‎09-21-2007
0

Re: Juniper CLD... Recon Success

My limit is $3600, they reduced it to $3300. Lol. Not much of a decrease, but still a decrease for no reason. They might have decreased it more had I not just put almost $2000 on it a week before they reviewed my account.
8/2012 TU 693 EQ 698
9/14/2012 TU 718 (Discover's score included in welcome letter)
9/14/2012 EX 717 (Amex Score)

Discover More $4000, Chase Freedom $6000, Amex BCP $6000, Barclays/Juniper $3600, Care Credit/GEMB $5000, Orchard Bank $1850
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Juniper CLD... Recon Success

Lol!!! That's so silly!! Seems like they almost wanted you to call recon for that!! I would have asked for a cli haha!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Juniper CLD... Recon Success

Glad you got your original limit back!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 492
Registered: ‎07-24-2012
0

Re: Juniper CLD... Recon Success

Haha, wow!  Why would they even bother with an increase that small?

 

Glad you got it back!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Juniper CLD... Recon Success

Glad you got it back, you might not ever use it, lol, but hate to see those CLs go down. 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Member
Posts: 30
Registered: ‎09-21-2007
0

Re: Juniper CLD... Recon Success

Lol I did ask for CLI, but they denied.
8/2012 TU 693 EQ 698
9/14/2012 TU 718 (Discover's score included in welcome letter)
9/14/2012 EX 717 (Amex Score)

Discover More $4000, Chase Freedom $6000, Amex BCP $6000, Barclays/Juniper $3600, Care Credit/GEMB $5000, Orchard Bank $1850
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Juniper CLD... Recon Success

Pahahahha! They suck sometimes!! I got denied a cli last week... The score on my letter wasn't even right..(it was a fico from tu) but it was 60 points lower than my actual fico... So then I get this new offer on my account for a 3.99% bt til July.. Im just like wth... Why would I want to do a bt when I owe yall the most!!!! $4k at 0% w a limit of $6500.

Silly Barclay's lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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