topic Re: Juniper in Credit Cards

Juniper

BobbyJ — Mon, 03 Mar 2008 02:43:59 GMT

Hello,

Is Juniper considered a sub prime card?

Just curious since I have one with a 600 cl.

Thanks,

BobbyJ

Re: Juniper

Anonymous — Mon, 03 Mar 2008 02:48:05 GMT

you sure, have the took it back yet? infamous for adverse actions.

juni and i have no love. i will never do buis w/juni, barcley's or carnival.

appd and obtained a couple of cards durring the juni glitch and was letter canceled. uw said yep, scores are good, balances are low, just don't want you (slightly paraphrasing).

honestly, juni is universily considered sub prime, but prime is subjective. if they have the terms you feel are prime, then that's the main thing.

Re: Juniper

llecs — Mon, 03 Mar 2008 02:48:42 GMT

IMO, Yes. They tend to offer higher APRs. They have a weird payment system (try making more than one payment within a 2 week period and you'll see what I mean). Their CLs are lower. You typically can't have more than one card, but YMMV. And they are stingy on CLIs (nothing manual anyway).

Re: Juniper

Anonymous — Mon, 03 Mar 2008 02:51:32 GMT

My best answer -- it depends. I have a Juni/Barclays CC that started at 2k and hit 3k on its one year b-day. I've heard others say that their Juni cards are more sub-prime, but I'm thinking mine is on the border.

I found a cool article about Juni backing and Oregon Credit Union... interesting info with it..

http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=104&STORY=/www/story/02-04-2005/0002950177&EDATE=

Re: Juniper

BobbyJ — Mon, 03 Mar 2008 02:52:09 GMT

Thanks Dnm.... I dont have any prestigious CCs yet due to my Ch 13 BK (filed in 2003). It will be discharged within 2 weeks. I have managed to establish credit since 2004 so I have all accounts reporting as good with no lates since then. I am closing my First Premier is 2 weeks after having it for a year. Dont want to pay the annual fee.

I have 2 HSBC cards but need to hold on to them as well as the Juni for age....

BobbyJ

Re: Juniper

MidnightVoice — Mon, 03 Mar 2008 02:54:07 GMT

@llecs wrote:
IMO, Yes. They tend to offer higher APRs. They have a weird payment system (try making more than one payment within a 2 week period and you'll see what I mean). Their CLs are lower. You typically can't have more than one card, but YMMV. And they are stingy on CLIs (nothing manual anyway).

Prime - Barclays id huge and multinational

Similar APRs to other reward cards

I have made multiple payments in one week

Highest CL I had when I got the card

YMMV

Re: Juniper

BobbyJ — Mon, 03 Mar 2008 02:54:45 GMT

Thanks for the response Ilecs... I think I will keep the Juni for awhile since I got it in Jan 08. I will keep it for at least a year and see what happens....

BobbyJ

Re: Juniper

llecs — Mon, 03 Mar 2008 03:08:03 GMT

OP, don't close it...I have Junny's SeaMiles and will hold out past the 1 yr mark.

MV, maybe it is me, but my APR is over 19%. Seems high, but I PIF and don't care much (also got card when scores were at 600). As per payments, if I make an online payment, they will put a hold on it for a day or two at the most. BUT if I make a second payment shortly after, they will reverse the availability of funds not only on the second payment but also on the first and place a hold on both of those for 2 weeks!!!

I called them and that is what their CSR told me. I posted on these forums about this and someone had given me a second. The payments showed received but the funds remain on hold. I never bounced a payment. Never over the limit. Never late.

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:11:08 GMT

Juniper Co-branded cards link.. kinda cool! I wish everyone put it out there like this!

https://www.juniper.com/app/ccsite/affiliates/prtnrCoBrandDynamic.jsp

Re: Juniper

BobbyJ — Mon, 03 Mar 2008 03:14:20 GMT

Hey Ilecs, I will keep the card and not close it... It was my highest credit line CC given to me while still in BK so I owe them for that.... I will keep it because others including you have said that they get good credit line increases over the years....

Re: Juniper

BobbyJ — Mon, 03 Mar 2008 03:15:13 GMT

Thanks Whirled... I saw this info before so there is definitely hope for the future... :-)

BobbyJ

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:19:13 GMT

Good luck!

(Sorry for the random juni posts, I got a little carried away!)

-P

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:38:10 GMT

who does juniper normally pull when applying?

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:40:15 GMT

GETNUMBERSUP wrote:
who does juniper normally pull when applying?

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:40:20 GMT

They're all over my TU report. I think someone mentioned this earlier in the thread.

Anyone have any Juni experience w/ another bureau?

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:42:44 GMT

llecs wrote:
OP, don't close it...I have Junny's SeaMiles and will hold out past the 1 yr mark.

MV, maybe it is me, but my APR is over 19%. Seems high, but I PIF and don't care much (also got card when scores were at 600). As per payments, if I make an online payment, they will put a hold on it for a day or two at the most. BUT if I make a second payment shortly after, they will reverse the availability of funds not only on the second payment but also on the first and place a hold on both of those for 2 weeks!!!

I called them and that is what their CSR told me. I posted on these forums about this and someone had given me a second. The payments showed received but the funds remain on hold. I never bounced a payment. Never over the limit. Never late.

You are not the only person I have seen report that. It's strange, though, because I routinely make two payments in about a one week period (one shortly before the statement cuts for reporting purposes and then one right afterwards for PIF purposes). I do this every single month and they have never withheld my available credit because of it.

Weird.

Re: Juniper

BobbyJ — Mon, 03 Mar 2008 03:43:03 GMT

Hey Cheddar,

They pulled TU for me....

Re: Juniper

Anonymous — Mon, 03 Mar 2008 03:44:06 GMT

BobbyJ wrote:
Hey Cheddar,

They pulled TU for me....

LOL...thanks. I wasn't asking the question, though.

Re: Juniper

MidnightVoice — Mon, 03 Mar 2008 04:30:06 GMT

I use my bank pay, and quire honestly I never check the available credit, I just make sure the payment has posted. The chances of me getting anywhere near the CL are pretty close to zero!

Re: Juniper

Anonymous — Mon, 03 Mar 2008 16:12:16 GMT

i had them for 2 years--never got one cli. .....gone......