Be careful! Juniper (Barclays) lures you in with the low 7.9% APR and saying how they up credit lines easily and their supposed perks.
They pursued me twice by mail and gave me $6K last spring. I pay online and around April I was one hour late in paying, they have an early deadline, like 3 or 4pm but I thought by 5pm would be OK. It wasn't, got bumped to 11.9% immediately. Ran a balance of $1200. In early November I log in to see my CL was now $1200, and I'm maxed out.
I called, rep says due to credit review they lowered CL. (Thank you Amex Scrooge) I said, F U, close the account. She said, "OH, but you've been a good customer and we don't want to lose you." I said drop dead, keep your $1200 card, you already raised my APR back in spring and I've paid on time since. Now you CLD. What about an APR decrease after 6 months of ontime payments? No response, so I closed the card regardless of what FICO says to do.
