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Juniper... Denied

Regular Contributor

Juniper... Denied

Well checked my TU score this morning and I guess I lost 14 point for opening 3 new accounts last month target macys hooters so my score is now 640 so I get the nerve to apply for a Carnival Sea Miles for grins &  giggles I guess

...DENIED.... reason not sure yet. oh well 

12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
6 REPLIES
Frequent Contributor

Re: Juniper... Denied

Juniper is being dumb this month.  They just decreased my limit from 3k to 1.1k.  I pif every month and spend much more than 1.1k.  I called as soon as I saw it this morning and was told that they did a massive limit decrease to get ready for next year.  My guess is that they are not extending new credit or are doing so on a very limited basis until their books look good for the new fiscal year.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Regular Contributor

Re: Juniper... Denied

Sorry to hear that GS.... I Wish I would've read that before I applied lol, I did research and noticed several people were able to get the card with scores similar or lower than mine so Im a little confused do you think its even worth calling monday for a recon?
12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!
Frequent Contributor

Re: Juniper... Denied

It couldn't hurt.  I'm calling the credit department Monday to hopefully get my limit re-instated.  If not, the card goes in the "sock drawer" and I'll just use one of my other ones with a more realistic limit.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Contributor

Re: Juniper... Denied

Yeah I just closed my sea miles card yesterday. Got an original cl of 500 went to 1250 at six months and then had the card for a little over a year and got a cld to 700. Low limit and crappy apr (like 18%)
EQ- 727 5/12/10
TU- 746 5/12/10
Senior Contributor

Re: Juniper... Denied


kay82 wrote:

Well checked my TU score this morning and I guess I lost 14 point for opening 3 new accounts last month target macys hooters so my score is now 640 so I get the nerve to apply for a Carnival Sea Miles for grins &  giggles I guess

...DENIED.... reason not sure yet. oh well 


Sorry for the wasted inq. Get a card with a better lender. Juny can be quirky. Hold off 6 months and try BofA.

Regular Contributor

Re: Juniper... Denied

Hey thanks to evrybody for the great replies & positive energy, thank God I only had like 4 inq. on my TU but Im officially done apping...to H*ll with Juniper, and also Im sorry to hear about everyone's lost with that has the current TL just goes 2 show maybe they're having issues right now !!
12-08 TU 654 EQ 630 EX 628

12-08 TU 640 new accounts

1-31-09 EQ 644 15% util !!!
2-10-09 EX 663 15% util !!!