topic Re: How is Juniper these days? in Credit Cards

How is Juniper these days?

Creditaddict — Tue, 09 Jun 2009 19:12:48 GMT

Any of them still approving easier then others? like 600 score?

What about INQ.. I have a lot, 2 of which are from Juniper from I think about a year ago.

Re: How is Juniper these days?

Anonymous — Tue, 09 Jun 2009 21:06:54 GMT

Once upon a time I was looking at Juni Us Air card but gave up quick after reading about the low starting limits and tight CLI. But I would like to see what other have to say about Juni now in this credit environment..

Re: How is Juniper these days?

jdsays — Tue, 09 Jun 2009 21:34:04 GMT

Me too! Im lookin into apping for the Juniper iTunes card (gotta upgrade my iphone to the new one!) but Id like to know more first...

Re: How is Juniper these days?

wndrwmn78 — Wed, 10 Jun 2009 00:22:33 GMT

@jdsays wrote:
Me too! Im lookin into apping for the Juniper iTunes card (gotta upgrade my iphone to the new one!) but Id like to know more first...

I think you're good for the iTunes...I was approved for it about 3 months ago, and didn't realize at the time that my Transunion (which they pulled) had some incorrect info on it. My score was definitely less than 650, and I received a $500 credit limit. If you're okay with a low limit, I say go for it...I know I regretted applying and receiving such a low limit, especially after looking at my report and getting my score up over 700 now. I wonder what limit I would have gotten now, and they're stingy with increases.

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 01:14:52 GMT

I received a preapproval in the mail and went online and apply and I was approved instantly for a $3,500 credit line and a 7.99 fixed APR back in December 2008. I immediately close the account before I even receive the card. While waiting for the card to arrive home. I read and research about their (Juniper) services and I saw alot of complaints about Juniper, I mean tons tons tons of complaints. I don't appreciate any credit card issuers with lots of negative and bad customer service. So i mailed in a letter and request to close it. It was my mistake for not doing research about the card and services. I do research more on the card issuers before I apply next time, I learn my lesson. Don't want to get all the surprise stuff down the road.

Good luck if you are with Juniper Services..

Message Edited by CreditCard101 on 06-09-2009 06:14 PM

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 01:36:13 GMT

@Anonymous wrote:
I was approved instantly for a $3,500 credit line and a 7.99 fixed APR back in December 2008. I immediately close the account

For me $3500. would work for a starting cl.

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 02:07:26 GMT

$3,500 Instant Credit Line is nice, however, there are too many complaints about Juniper. Sudden rates increase and Credit line decrease and poor/rude customer service is a major turn off for me.

Message Edited by CreditCard101 on 06-09-2009 07:07 PM

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 02:15:14 GMT

Really have to say that I've never had any of those, nor any other issues with Juniper and I've had their card for several years now. The only thing I don't care much for is their reluctance to approve you for more than one of their credit cards. Not that they never do, just that they don't seem to do so very often.

Re: How is Juniper these days?

smallfry — Wed, 10 Jun 2009 02:30:53 GMT

@Anonymous wrote:
$3,500 Instant Credit Line is nice, however, there are too many complaints about Juniper. Sudden rates increase and Credit line decrease and poor/rude customer service is a major turn off for me.

Message Edited by CreditCard101 on 06-09-2009 07:07 PM

I think if you actually use their cards and behave they aren't half bad really.

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 02:55:29 GMT

Another reason I dislike Juniper was this:

They approved me for a $3,500 credit line but when I login my account they withhold $20 off my credit line for WHATEVER the reason is. So my actual credit line is $3,480. Why are they doing this?So if you are a Juniper customer, do they do this to you? If so, explain...because to me, it's just stupid...

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 13:32:05 GMT

I had some customer service issues early on when they used to charge I think $20 to actually speak to a live body. Used to be just email was free. I think they've changed that since. No problems with on line payment now, but I recall when you get started they limit the timing and number of payments you can make within each billing period.

Rate's been locked at 8.99% since day 1, a few CLIs, but not lately. Always keep my balance between $0 and 28% but rarely above 18%

Good luck...

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 20:55:43 GMT

@Anonymous wrote:
Another reason I dislike Juniper was this:
They approved me for a $3,500 credit line but when I login my account they withhold $20 off my credit line for WHATEVER the reason is. So my actual credit line is $3,480. Why are they doing this?So if you are a Juniper customer, do they do this to you? If so, explain...because to me, it's just stupid...

They did the same thing to me when I got my card. I assumed it was because of the balance transfer I did when I got it, and after my transfer went through it disappeared and my full credit line was available. Not sure why they did that to you, but it will go away.

Re: How is Juniper these days?

Creditaddict — Wed, 10 Jun 2009 20:59:21 GMT

I was declined because BK 13 is still open and to many inq... duh 3 are with you people in the last year who have never once mentioned that a card would NEVER be granted as long as bk is still open

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 21:36:00 GMT

I thought my rate was locked at 8.99 til they changed it to 14.99 couple months ago. When I first got the card I got a couple of CLI, then out of the blue I got a CLD. Limit got up to 1750 now it's dropped to 1550. I also have the $20 diffference on my limit and my available. I haven't had much dealings with customer service except to ask why the APR increase was told it was business decision. All in all I can't complain, would much rather deal with them than Chase.

Re: How is Juniper these days?

smallfry — Wed, 10 Jun 2009 21:37:01 GMT

They approved me for 13K with a 7 yo BK 7 two years ago.

Re: How is Juniper these days?

Anonymous — Wed, 10 Jun 2009 23:42:38 GMT

i got approved months ago and it had a great interest rate and cl....but if you goggle "juniper credit cards",,there are some god awful reviews on them....everything from rate increases to not posting payments and hitting you with lates...after reading all that..i just closed the card.never even used it.just couldnt take that risk.

Re: How is Juniper these days?

Anonymous — Thu, 11 Jun 2009 00:31:09 GMT

Specvboy23:

Yeah I definitely agree with you. I did the same too, when i was approved and went online to read the Juniper services review, it was awefully scare me off. I sent a letter immediately and close the account before I even receive the card. I dont want to be the Juniper's victim.

Re: How is Juniper these days?

Anonymous — Thu, 11 Jun 2009 17:43:39 GMT

I've had Juniper for a couple of years now, CL of $5K, never had a single problem with them. They've never lowered my CL or raised my APR.

Re: How is Juniper these days?

Anonymous — Thu, 11 Jun 2009 20:17:16 GMT

I've been a Juniper customer since 08/2008. Made the mistake of going for both the Barnes and Noble card and Itunes. Rather than give me $800 limits each, they took the $800 and split it $500 to $300, then made me wait 6 months to get the initial $300 I lost. It ended up being such a pain that I decided to close the Itunes account, but not before I transferred the $300 to the Barnes and Noble card for $1100 total.

Juniper is NOT a bad issuer at all. Yeah, they tend to be a bit rude, and sure they are stingy on the CLI. But I have yet to pay them interest. I have yet to pay an AF with them. And I enjoy my $25 gift cards per $2500 I spend (not exactly mountain moving, but I am a big bibliophile... ).

Between Barclays (Juniper) and Bank of America, both of them have been very good to me, because I have been good to them. If you can get in with a CC issuer who will give you at least a little something back, PLUS not charge an AF, I highly recommend them to any of you. Chase won't take me, and neither will Citi (currently). I had to fire both HSBC and Hooters because I didn't need their cards with AFs. I am going to need a 3rd card for util's sake and I don't like carrying a balance on the reports, but I try to keep it small. I'm a PIF guy...so APR means nothing to me. If you don't plan on committing the mistakes that lead you to this board and others, then don't be afraid of getting a Juniper card.

Re: How is Juniper these days?

Anonymous — Thu, 11 Jun 2009 23:32:46 GMT

I'm having an awfully hard time understanding the Juniper bashing here. My own account was opened about 4 years ago when I still had a dismissed BK showing on my reports along with a CA. Juniper gave me a $1500 CL which has since been increased twice to a CL of $4500. Not wonderful, but not bad. They also lowered my APR during those years. Only recently has this APR been raised, and only back to the original interest rate it opened with. Nothing like the huge rate jacks many are experiencing from Chase or Cap One.

I truly believe that you could surf the web and find horror stories about any company you were investigating. I definitely would not have closed out a $3500 account with a 7.9% APR because of anything I read on the web. You haven't a clue how these people handled their credit or even if some /most of them were telling the truth. Most web posters have their own agendas.

Message Edited by VEEnVEGAS on 06-11-2009 04:32 PM