topic Re: Juniper CC in Credit Cards

Juniper CC

Myhearts — Sun, 16 Mar 2008 01:37:09 GMT

Hey All

Hearts here... Got approved last year around December for the Juniper card. I didn't apply, it was preapproved. Gave me a $750 credit line/ 11.99% interest rate. I BT'd $650 from another card because believe it or not, interest rate was much lower. I am paying it down and should have it paid off by May.

Question. I was thinking that once I paid the $500 off that I owe on this card, that I would do another BT and put $750 on it so that I can get my Applied Card Bank Visa paid off. I want to close the Applied Card Visa but I have had it for a couple of years. Would that hurt my score if I close it.

Thanks

Hearts

Re: Juniper CC

Anonymous — Sun, 16 Mar 2008 02:03:35 GMT

It's only going to hurt your scores if it hurts your UTL-

It could hurt long term if it is your oldest CC.

Re: Juniper CC

Anonymous — Sun, 16 Mar 2008 02:39:53 GMT

I do not like Juniper at all.

Re: Juniper CC

Anonymous — Sun, 16 Mar 2008 02:41:23 GMT

Annie- did you hear what I just did with my Junny accounts???

casinoannie97 wrote:

I do not like Juniper at all.

Re: Juniper CC

Myhearts — Mon, 17 Mar 2008 00:26:30 GMT

Tim

Hearts here. What did you do with your Juniper cards?

Re: Juniper CC

Anonymous — Mon, 17 Mar 2008 00:42:27 GMT

Junny is a fickled master... if you have Junny you may want to go for WaMu. I would not put all my eggs in a Junny basket for sure. Always have a backup.

Re: Juniper CC

Anonymous — Mon, 17 Mar 2008 01:52:42 GMT

I pulled a fast one- on Junny

I Closed my Junny Plat-

Then called Junny Seamiles asked for a CLI- and they added the CL from the closed plat and the closed Emigrant (from junny mania)to my Seamiles-

Now a 10K CL on 1 card w/ Juniper.

Myhearts wrote:

Tim

Hearts here. What did you do with your Juniper cards?

Re: Juniper CC

Anonymous — Mon, 17 Mar 2008 02:03:50 GMT

awesomr Tim. I closed mine quite awhile ago. They never showed me any luv.

Re: Juniper CC

Myhearts — Tue, 18 Mar 2008 12:54:12 GMT

How long before you can ask for CLI or is it automatic? I haven't had any problems with them yet, but then I just make payments, I don't make any purchases.

Hearts

Re: Juniper CC

SWISSOATL — Tue, 18 Mar 2008 13:29:52 GMT

Myhearts wrote:
Hey All

Hearts here... Got approved last year around December for the Juniper card. I didn't apply, it was preapproved. Gave me a $750 credit line/ 11.99% interest rate. I BT'd $650 from another card because believe it or not, interest rate was much lower. I am paying it down and should have it paid off by May.

Question. I was thinking that once I paid the $500 off that I owe on this card, that I would do another BT and put $750 on it so that I can get my Applied Card Bank Visa paid off. I want to close the Applied Card Visa but I have had it for a couple of years. Would that hurt my score if I close it.

Thanks

Hearts

Yes! please close the Applied since you are paying Fees! $10.95 a month It aint worth it! lol

I cant wait to close them and Cortrust!

Re: Juniper CC

Myhearts — Wed, 19 Mar 2008 00:02:14 GMT

Swiss,

I have had that Applied Card since 05/2005 and I am concerned that if I close it, it will cut short my credit history. That will be 3 years in May this year. Maybe I will just pay if off and not use it.

Hearts

Re: Juniper CC

Anonymous — Wed, 19 Mar 2008 02:21:45 GMT

Myhearts wrote:
How long before you can ask for CLI or is it automatic? I haven't had any problems with them yet, but then I just make payments, I don't make any purchases.

Hearts

I went from 2k to 3k at the one year mark. It was automatic (and the card was PIF) when they gave me the increase.

HTH

-P

Re: Juniper CC

GST2008 — Wed, 02 Apr 2008 15:07:28 GMT

I have had my plat. MC with them for 2.5 years. I got a CL after 6 months of opening and then nothing else again since then. I pay in full and request CLI but it is all automatic on this type of card. The card is currently PIF, so I applied for a new Juniper card yesterday (The Apple Visa). I wasn't automatically approved and got the pending message. Since I had the customer care number, I called to check the app. and it is still processing as of this morning. Does anybody know if this means that I'm still in the game or if it's just an eventual decline. My payment history and usage with them have been flawless. I had no other hards on my TU and my utility is pretty good right know. Wish me luck!!!!

Re: Juniper CC

rom828 — Fri, 04 Apr 2008 15:04:37 GMT

I just applied for the Sea Miles card last night and got the review message also, so now sitting here with crossed fingers and high blood pressure!

What number did you call to check status?!?!

Re: Juniper CC

GST2008 — Sat, 05 Apr 2008 03:22:59 GMT

lol Rom, I have a Plat MC with them that they will never increase the balance on so I apped for the Juniper Visa w/ I-tunes rewards. Since I have access to customer service b/c of this card I've been periodically calling and bothering them about the status of my application. I have no idea what takes so long to process. Since I opened the first card in the fall of 2005, my scores have risen over 200 points. I've never missed a payment, the card is paid in full and the percentage of my credit that is used has decreased significantly. I have no idea what there is to review.

Re: Juniper CC

GST2008 — Sat, 05 Apr 2008 13:03:08 GMT

Just thought I'd add this, in regards to the "automatic" CLI's that Juniper says it does. I've had since 10/05 and there has been only one soft pull on my credit report in the past two years by Juniper. Only one and that was in 2/08. I'm not sure where their computers get the information for the reviews, but it certainly isn't from our credit reports or payment histories.

Re: Juniper CC

haulingthescoreup — Sun, 06 Apr 2008 10:10:55 GMT

@GST2008 wrote:
Just thought I'd add this, in regards to the "automatic" CLI's that Juniper says it does. I've had since 10/05 and there has been only one soft pull on my credit report in the past two years by Juniper. Only one and that was in 2/08. I'm not sure where their computers get the information for the reviews, but it certainly isn't from our credit reports or payment histories.

Maybe from their internal payment history records? In other words, how much do you use the card, do you PIF, and so on.

I have the same card as Mrs. MV, but I have a deeply humorous $500. The CSR told me that it was because I already have plenty of unused credit, which might well be true. The plan is to charge between $250-300/ month on it (and PIF before statement date) for 6 months, see if anything happens, and do the same for another 6 months.

If they want to turn it into a real card at that point, then I'll keep it. Otherwise, I will have bought lots of stuff from B&N for a year, and I'll let the card go. I don't want to have a $500 CL showing on my reports at this point in my credit life, especially if it's not a store card.

Re: Juniper CC

Anonymous — Mon, 07 Apr 2008 18:07:05 GMT

I have a Juniper iTunes Reward Card and when I called to ask for a CLI, they told me they do not take requests over the phone, but you can request a lower APR. I am not sure what they look at either, but they do a soft pull every month on me and I have been flawless with them and every other company and I still have not received a CLI.

In fact, when I was initially approved for the card in December 2006, I had a CL of $2,000. They lowered it to $1,300 in March 2007 claiming I had too much new debt, but the only new debt was their card. I only owe $300 on it, so after I have paid it off, I'm throwing it in a sock drawer and may take it out every 6 months to make a purchase.

Re: Juniper CC

MidnightVoice — Mon, 07 Apr 2008 18:20:27 GMT

I have been told that Juniper has a limit on the number of cards they will give you (two max, one preferred)

Re: Juniper CC

GST2008 — Tue, 08 Apr 2008 02:43:48 GMT

I received my decision on the I-Tunes Visa this afternoon and they denied me credit due to the fact that I have sufficient funds on my Juniper MC (it's paid in full just like every other month for the past 2.5 years). I immediately called customer service and asked for the credit department. I got a very helpful gentleman who explained to me that they couldn't give me another cc due to the fact that since my bk in 2003, they were my highest CL. He went over my CR with me and then upon noticing that I had a flawless history with them, told me that I could do a product change for the Visa and transfer my available credit to the new product. I was very thankful that he was able to work with me on this and he even left my old MC account open with a 500.00 limit so it could continue to report on my CR. He also explained that in my case my lack of CLI's was due to the fact that Juni was my highest CL. I recently got increases on 3 of my other cards that will put me over the 2200 mark, so when they report I should be eligable for the increase.