Re: Juniper CLD... Recon Success

ChrisW · ‎09-21-2007

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

amercnchopz34 · ‎10-28-2011

Good news

Amex Green (NPSL) , Amex Delta Gold ( 6500) Amex BCP (2000) Amazon store (5000) Capitol One (5000) Barclay NFL Bears (5000) Alliant MC (5000) Fairwinds CU Visa (2500) HHGregg (4000) Discover It (5000) Chase CSP (5000) Best Buy Store Card (4000) Citi Diamond (1200) Citi TY Preffered (2000)

BK 7 in 2005.....

youngandcreditwrthy · ‎08-16-2012

What was/is your limit? $300 seems trivial lol

ChrisW · ‎09-21-2007

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

youngandcreditwrthy · ‎08-16-2012

Lol!!! That's so silly!! Seems like they almost wanted you to call recon for that!! I would have asked for a cli haha!

Epcot · ‎10-10-2012

Glad you got your original limit back!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12

TheConductor · ‎07-24-2012

Haha, wow! Why would they even bother with an increase that small?

Glad you got it back!

Starting: EQ 626 (myFICO 7/22/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 665 (myFICO 2/13/12), EX 690 (CreditSesame FAKO 1/6/13) , TU 681 (WalMart 2/4/13) Goal: 700+ x3
My Wallet: Amex Zync NPSL (hidden limit > 10k), Barclaycard Apple V $2000, Walmart (Store) $900, BoA Cash Rewards V $500, ~~CreditOne Platinum V $600~~, Best Buy Rewards MC $500, Chase Freedom V $400
Dream Wallet: Amex BCP, Citi Dividend Platinum V , Chase Freedom MC, Chase Sapphire Preferred V, BoA Privileges Cash Rewards VS, UPromise MC, US Bank Cash+ VS, Amex ZYNC, Amex SPG, Amex Platinum, Andrews FCU Global V

Shogun · ‎04-15-2011

Glad you got it back, you might not ever use it, lol, but hate to see those CLs go down.

Starting Score: 504

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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ChrisW · ‎09-21-2007

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

youngandcreditwrthy · ‎08-16-2012

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