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Rant about Juniper Low CC limit with FICO of 710

New Member

Rant about Juniper Low CC limit with FICO of 710

Ok, we both lost our jobs 6 1/2 years ago, lost house and filed Bankruptcy after exhausting savings, job search etc.  Moved new job kept noses clean, Capitol One gave us two cards, one CC for $3000, one for $5000 and a car loan at a 12% rate.  Husband is changing jobs and needed a $10,000 limit card as he has to prepay travel, hotel etc, then get re-embursed. Tried to get Capitol One to raise limit, no go, then read here that Juniper wouldn't hold a BK against you, especially with a relatively good FICO and clean record (no lates, only a few hundred dollars charged each month and paid off immediately) Today we received a letter from Juniper with the typical bait and switch offer of 'up to $10,000) and we called as my husband's needs had changed.  We went to the process of an application and received a slap in the face limit of $1,250!! We said, hold up there, his FICO is high enough, our record is clean and they were not willing to reconsider, or cancel the card. Asked for a Supervisor and that we would wait to speak and were disconnected (no surprize) Called customer service and got the card cancelled, but were given a bogus phone number to call to ask about what they actually required for a higher limit.. What recourse do we have? Any companies we could try once last time and not have a zillion hits on our credit report?
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 


Message Edited by Danvilleduck on 07-28-2008 02:20 PM
Message 1 of 30
29 REPLIES
Epic Contributor

Re: Rant about Juniper Low CC limit with FICO of 710

the company doesn't offer a American Express Corporate card?
Message 2 of 30
New Member

Re: Rant about Juniper Low CC limit with FICO of 710

No, this Company, unlike his previous company, does not offer any company credit cards, strange as they are a huge multi-national company.  I may just trot down to our local Bank were we have some funds in Savings and always a lot in checking and see about a CC with a decent limit. Been banking there for 6 years, early on had a few over drafts until got on the auto pay/monitor account bandwagon. All been good for the last 4 years.  Still steaming over Juniper.
Message 3 of 30
Moderator Emeritus

Re: Rant about Juniper Low CC limit with FICO of 710

I'm not a fan of Juniper either. After 11 months, paying in full most of the time, keeping the card clean, and a close-to-700 TU score, I am still stuck at $400.
Message 4 of 30
Senior Contributor

Re: Rant about Juniper Low CC limit with FICO of 710

Try Pentagon Federal Credit Union.
Message 5 of 30
Member

Re: Rant about Juniper Low CC limit with FICO of 710

What about Wamu? They seem pretty eager to give out cards and nice credit limits.
Message 6 of 30
Established Contributor

Re: Rant about Juniper Low CC limit with FICO of 710

WaMu has 2 cycle billing....Smiley Mad.  Juniper/Barclays ain't no prize, they rank down there with HSBC in my book.
07/26/2007 TU-688
EQ-656
EX-649
Message 7 of 30
Established Contributor

Re: Rant about Juniper Low CC limit with FICO of 710

Pentagon Federal is not BK-friendly. If you are a Christian, try CCCU.

Starting Score: TU 723, EQ 708
Current Score: TU 796, EQ 743
Goal Score: TU 800, EQ 800


Take the FICO Fitness Challenge


Starting Score: 708
Current Score: 743
Goal Score: 800


Take the FICO Fitness Challenge
Message 8 of 30
Member

Re: Rant about Juniper Low CC limit with FICO of 710

Are the two Capitol One accounts in the same person's name? You can call and ask them to combine them giving you an $8000.00 limit and they might also increase your limit at the same time (they did for me).
Message 9 of 30
Senior Contributor

Re: Rant about Juniper Low CC limit with FICO of 710



Uniqua wrote:
Pentagon Federal is not BK-friendly. If you are a Christian, try CCCU.


That old of a BK should not present a problem. I got a card with a nice limit 7 years out of a BK7. Looks like his EQ should be in the neighborhood of 690-710. As long as he doesn't have a lot of new accounts and high utilization it should work. Wamu might hand out a 2K card. Along with Juniper they are the whippiest issuers out there. 600 FICO might get you 7K while a 700 might get you 2K. You just never know with those two.
Message 10 of 30