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Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007
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Re: Rant about Juniper Low CC limit with FICO of 710



davilleduck wrote:
Well, I was getting all excited about the 'PENFED' info until I looked it up and it is, once more, for Military, family members, workers any kind of Fed Gov't connection.  I just stated that we don't qualify for any Federal Credit Union.  Closest I can come is USAA as I was dumped by my lovely LT. Col after 23 years of marriage (he eventually married the 'woman he didn't leave me for) and I was summarily booted out of the infrastructure I had lived in for 23 years.  Don't I get a break somewhere?


Message Edited by davilleduck on 07-29-2008 12:31 PM

Message Edited by davilleduck on 07-29-2008 12:31 PM

You can join PenFed via joining the National Military Families Association (NMFA) first (or simultaneously, if you call PenFed and open the share account on the phone with one of their CSR's).
 
That's how I got a toe in with PenFed, though I was turned down for their CC at the time. 
 
There's your break. :smileywink:
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

Backdoor Numbers, Credit Scoring 101, Understanding Your FICO Score PDF
Established Contributor
l9ikjam
Posts: 662
Registered: ‎09-07-2007
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Re: Rant about Juniper Low CC limit with FICO of 710

Juny gave me a $500 limit with a 720 credit score. I'm coming up on 6 Months and if I don't see a increase I'm gonna close the card.
---------------------------------------------------------

Which Juni card?

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The Emigrant Direct
Advice is what we ask for when we already know the answer but wish we didn't.
Frequent Contributor
Math_Rocks
Posts: 485
Registered: ‎05-11-2007
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Re: Rant about Juniper Low CC limit with FICO of 710



casinoannie97 wrote:
CCCU will pull hard on EX and soft on EQ. Takes a little while but they are great. I think Cap One will combine your cards. They did mine.


Message Edited by casinoannie97 on 07-28-2008 07:31 PM




Just so you know, we applied for CCCU with a Ch. 7 BK over 7 years old and got declined. I've considered doing a recon but someone here said that they do manual review so the decision is final.

They sound great though so we may try again in 6 months.
Filed Chapter 13 bankruptcy 04/12 after two and a half years in a DMP. So wish we would have done the BK sooner. Live and learn!
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Uncle_Money
Posts: 530
Registered: ‎07-28-2008
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Re: Rant about Juniper Low CC limit with FICO of 710

[ Edited ]
Hi Danvilleduck,
 
I've had Juniper for over 1 year now and still have the same lousy $500 CL! I have no late pays and after 6 months I requested the increase and they said it wasn't available. I PIF and haven't used the card since. This card gets a BIG THUMBS DOWN people!!!


Message Edited by Uncle_Money on 07-29-2008 09:41 PM
Equifax Fico 785 as of 01/18/2012
Established Contributor
Uncle_Money
Posts: 530
Registered: ‎07-28-2008
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Re: Rant about Juniper Low CC limit with FICO of 710

Hi l9ikjam,
 
Don't hold your breath with Juniper. I've had my card over 1 year and I'm still at $500. I have a perfect payment record with them and all of my creditors. They declined me for an increase. Thumbs down to this CC.
Equifax Fico 785 as of 01/18/2012
Established Contributor
l9ikjam
Posts: 662
Registered: ‎09-07-2007
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Re: Rant about Juniper Low CC limit with FICO of 710

I canceled they're card b4 and i'll cancel it again. I've been thinking of getting rid of some of my cards anyway. they will just make my decision easier.
Advice is what we ask for when we already know the answer but wish we didn't.
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Rant about Juniper Low CC limit with FICO of 710



Math_Rocks wrote:


casinoannie97 wrote:
CCCU will pull hard on EX and soft on EQ. Takes a little while but they are great. I think Cap One will combine your cards. They did mine.


Message Edited by casinoannie97 on 07-28-2008 07:31 PM




Just so you know, we applied for CCCU with a Ch. 7 BK over 7 years old and got declined. I've considered doing a recon but someone here said that they do manual review so the decision is final.

They sound great though so we may try again in 6 months.




Lots of these small to mid size credit unions have been besieged by applications over the course of the past couple of years. They can not handle the volume of apps and in most cases are inferior to the larger ones in every way anyway.

I would stick with the largest ones. Navy Penfed and the like. Do a Google search for 50 largest credit unions and you will see who has what. Stick with the ones who have federal charters.
Established Contributor
Posts: 739
Registered: ‎06-30-2007
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Re: Rant about Juniper Low CC limit with FICO of 710



unknown_entity wrote:
WaMu has 2 cycle billing....:smileymad:.  Juniper/Barclays ain't no prize, they rank down there with HSBC in my book.


That gives you 60 days to PIF

 
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
Super Contributor
MidnightVoice
Posts: 8,161
Registered: ‎03-25-2007
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Re: Rant about Juniper Low CC limit with FICO of 710

I have $24.5K on two Junny cards and have never had a problem.  Thier CLIs are small, but I get gas and books for free, so they are keepers
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Regular Contributor
MsMS
Posts: 195
Registered: ‎11-12-2007
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Re: Rant about Juniper Low CC limit with FICO of 710

If you qualify for USAA, I'd talk to them- emphasis on "talk".  Their customer service is excellent, and they should be able to let you know if they can help.
 
I have a MC with them and am quite happy with it.
 
-MsMS

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