cancel
Showing results for 
Search instead for 
Did you mean: 

Juniper CLD... Recon Success

tag
ChrisW
Valued Member

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
Message 1 of 10
9 REPLIES 9
amercnchopz34
Established Contributor

Re: Juniper CLD... Recon Success

Good news

Message 2 of 10
youngandcreditwrthy
Senior Contributor

Re: Juniper CLD... Recon Success

What was/is your limit? $300 seems trivial lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 3 of 10
ChrisW
Valued Member

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
Message 4 of 10
youngandcreditwrthy
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 5 of 10
Epcot
Valued Contributor

Re: Juniper CLD... Recon Success

Glad you got your original limit back!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 6 of 10
TheConductor
Established Contributor

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), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Message 7 of 10
Shogun
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 10
ChrisW
Valued Member

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
Message 9 of 10
youngandcreditwrthy
Senior Contributor

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| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.