topic FYI - Juniper CLI Process in Credit Cards

FYI - Juniper CLI Process

krielly — Wed, 15 Apr 2009 13:05:39 GMT

Just posting for your info. I emailed Juniper to ask about the process for CLI, if it was automatic, and if it was hard or soft pull either way. Here is the response:

Thank you for contacting us regarding your Juniper MasterCard account.

"We understand your concerns regarding your credit limit. Please be advised that our credit department will review your account for a credit line increase every 4 to 6 months automatically. We can also review your account to determined if you are eligible for a credit limit increase at your request.

Please be advised in order to see if you qualify for a credit line increase, we would have to review your credit report. When we review your credit report it is considered a "Soft Inquiry". This means that the inquiry can only be seen by you and no other creditor nor does it effect your credit score in any way.

If you would like to have your account reviewed for a credit limit increase please reply to this message or contact the number on the back of your card."

I've had the card almost 6 mos, so I'll probably just wait for an automatic review.....

Just thought I would share the info.

Re: FYI - Juniper CLI Process

Anonymous — Wed, 15 Apr 2009 14:57:11 GMT

Good to know. Thanks for the post. Good luck on the CLI

Re: FYI - Juniper CLI Process

iwantbettercredit — Wed, 15 Apr 2009 20:52:32 GMT

I just love when they say they check accounts automatically every 4-6 months. That simply is not true, I have had my card for nearly 1 year. They never reviewed my account. I asked for a CLI last months and thet denied me. I have never been late, and have an excellent payment history on all my cards. They just dont give CLI freely, they are stingy.

Re: FYI - Juniper CLI Process

krielly — Wed, 15 Apr 2009 20:55:22 GMT

Yup, I didn't get my CLI. The CSR on the phone told me 6-8 mos......so which is it? Also, she implied that I didn't need to ask for a CLI, they would automatically review.......

RIGHT

oh well..............in 2012, all my baddies will be gone.......I'm sure the time will fly right by

Re: FYI - Juniper CLI Process

Anonymous — Wed, 15 Apr 2009 21:00:29 GMT

Thanks krielly for that information; however; that has not been my experience with Juniper or Barclays. The one CLI that I received I requested and it was hard inquiry after having the card for 10 months. I have not received any auto CLIs but I have noticed that they review my CR monthly.

Re: FYI - Juniper CLI Process

Anonymous — Thu, 16 Apr 2009 03:07:47 GMT

I was just wondering how much of a credit line you guys have with Juniper. Mine is 1000. I have been with them since 07, should I request an CLI? dP

Re: FYI - Juniper CLI Process

Anonymous — Thu, 16 Apr 2009 08:18:40 GMT

@Anonymous wrote:
I was just wondering how much of a credit line you guys have with Juniper. Mine is 1000. I have been with them since 07, should I request an CLI? dP

I have had my card a little over a year. I started at $1000 & a few of Months ago I called and was raised to $2500.Try the backdoor #.

Re: FYI - Juniper CLI Process

Anonymous — Thu, 16 Apr 2009 17:42:45 GMT

have had juniper card for 3 years started with 3000.00 cl , used the card alot never got increase as matter of

fact they gave me a cld about 4 months ago to 1700.00 credit score at time was 786 and 746 not good card

to deal with

Re: FYI - Juniper CLI Process

MidnightVoice — Thu, 16 Apr 2009 17:47:30 GMT

Self - Juniper card for 2+ years no auto CLI

DW - Juniper card for 15 months and no auto CLI

Re: FYI - Juniper CLI Process

Anonymous — Thu, 16 Apr 2009 18:28:54 GMT

Do they always check your credit report before a CLI? Would it be more beneficial to get a new card rather than request a CLI? dP

Re: FYI - Juniper CLI Process

akaniks — Mon, 27 Apr 2009 19:59:32 GMT

I got my Juniper/iTunes card in February 2008. At 10 months they gave me a CLD from $750 to $650. They mentioned factors being my account balance and overall age of accounts. I believe the current balance on the card is around $50.00 and according to myfico my average age is 4+ years. Maybe when my new Citi and USBank cards start reporting Juniper will CLD me to $550. At 22.74% apr this will be the first card I get rid of.

It's my lowest limit at the moment. Chevron is closest at $800 and then CapOne at $1,000.