topic Re: Juniper - Platinum Mastercard in Credit Cards

Juniper - Platinum Mastercard

Anonymous — Thu, 01 May 2008 16:44:57 GMT

Does anyone have this card? How pleased are you with it? How generous are they usually with CLs? I received a pre-approved offer in the mail for a Juniper Platinum Mastercard @ 7.99% on balance transfers and purchases.

Thanks,

SandyK

Re: Juniper - Platinum Mastercard

MidnightVoice — Thu, 01 May 2008 16:55:31 GMT

Try this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=9804&view=by_date_ascending&page=1

And some people hate Junny, whilst others (including me) have had no problems with them (probably the accent, as Barclay's is British )

Re: Juniper - Platinum Mastercard

Anonymous — Thu, 01 May 2008 16:58:12 GMT

MidnightVoice wrote:
Try this thread:

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=9804&view=by_date_ascending&page=1

And some people hate Junny, whilst others (including me) have had no problems with them (probably the accent, as Barclay's is British )

Thanks MidnightVoice!

SandyK

Re: Juniper - Platinum Mastercard

islandchild82 — Thu, 01 May 2008 17:05:56 GMT

sankofa wrote:

Does anyone have this card? How pleased are you with it? How generous are they usually with CLs? I received a pre-approved offer in the mail for a Juniper Platinum Mastercard @ 7.99% on balance transfers and purchases.

Thanks,
SandyK

Hi Sandy,

I just received this offer yesterday, though it was for 8.99% fixed. While the interest rate is attractive, I apped with them late last year and was denied. Don't know that I am willing to risk being denied again. My scores are about 30-40 points higher, but still. Decisions, decisions!

Re: Juniper - Platinum Mastercard

Anonymous — Thu, 01 May 2008 17:27:16 GMT

islandchild82 wrote:

sankofa wrote:

Does anyone have this card? How pleased are you with it? How generous are they usually with CLs? I received a pre-approved offer in the mail for a Juniper Platinum Mastercard @ 7.99% on balance transfers and purchases.

Thanks,
SandyK

Hi Sandy,

I just received this offer yesterday, though it was for 8.99% fixed. While the interest rate is attractive, I apped with them late last year and was denied. Don't know that I am willing to risk being denied again. My scores are about 30-40 points higher, but still. Decisions, decisions!

Hi islandchild82!

I haven't applied with Juniper before even though I received an application from them last year also. At that time I read so many negative comments about them, I decided not to apply. However, I am now looking for a low fixed rate card just for my purchases only; (no balance transfers), that I can PIF every month. Should I have to carry a balance the APR wouldn't be outrageously high either.

I really don't like the idea of them pulling all 3 credit reports though. 3 hard pulls sounds like what Capital One does. I agree decisions, decisions, decisions!! LOL

SandyK

Re: Juniper - Platinum Mastercard

MidnightVoice — Thu, 01 May 2008 17:30:22 GMT

For my Junny they pnly pulled TU

Re: Juniper - Platinum Mastercard

haulingthescoreup — Thu, 01 May 2008 17:42:09 GMT

Same on mine, although it's not the same card. (Mine's the Barnes and Noble MC.)

My CL is hilariously low, but I'm delighted with the easy-to-navigate website, ease of paying, and general customer service. The CL is low because I was deemed to have plenty of existing credit elsewhere, which is true.

Re: Juniper - Platinum Mastercard

MidnightVoice — Thu, 01 May 2008 17:49:30 GMT

haulingthescoreup wrote:
Same on mine, although it's not the same card. (Mine's the Barnes and Noble MC.)

My CL is hilariously low, but I'm delighted with the easy-to-navigate website, ease of paying, and general customer service. The CL is low because I was deemed to have plenty of existing credit elsewhere, which is true.

In terms of the amount we use our B&N card, we would be quite content with your CL instead of one 30 times as high Just paid our highest ever bill, and it did not reach 3 figures

Re: Juniper - Platinum Mastercard

Anonymous — Thu, 01 May 2008 17:54:44 GMT

Great fixed APR, no AF - I closed mine and combined the CL with my Seamiles.

Many people get apporved with a low 600 TU score- and the CL will reflect with your income and score.

Re: Juniper - Platinum Mastercard

haulingthescoreup — Thu, 01 May 2008 17:59:21 GMT

@MidnightVoice wrote:
@haulingthescoreup wrote:
Same on mine, although it's not the same card. (Mine's the Barnes and Noble MC.)

My CL is hilariously low, but I'm delighted with the easy-to-navigate website, ease of paying, and general customer service. The CL is low because I was deemed to have plenty of existing credit elsewhere, which is true.
In terms of the amount we use our B&N card, we would be quite content with your CL instead of one 30 times as high Just paid our highest ever bill, and it did not reach 3 figures

It doesn't really perturb me any more. (Got over the jealousy! ) I just regard it as a store card, because that's where the really good rewards come anyway.

Re: Juniper - Platinum Mastercard

Anonymous — Thu, 01 May 2008 18:57:13 GMT

MidnightVoice, et al, thanks!

I appreciate your input and this is exactly the kind of card I am looking for. I don't want a large credit limit either. Just something to have for those sales that I may find while I'm out.

I will come back and report what happens should I apply before June 27, 2008, the reply by date!

SandyK

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 01:28:29 GMT

I just got an offer for %7.99 up to $7500. This is the first offer I've had of any sort come in the mail in 6 years. I'll read more about it first but I'm pretty sure it tops my Orchard or Hooters.

It seems like a new day is-a-comin'.

You guys did this ya know!

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 03:36:08 GMT

beenthere wrote:
I just got an offer for %7.99 up to $7500. This is the first offer I've had of any sort come in the mail in 6 years. I'll read more about it first but I'm pretty sure it tops my Orchard or Hooters.
It seems like a new day is-a-comin'.
You guys did this ya know!

Agreed, beenthere! It's been a crazy road to credit repair, but it's really paying off.

I also received the 7.99% offer up to $15K. I wasn't seriously tempted since I'm not apping at this time, but I figure I can never have too many fruits as a result of my labor.

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 04:00:48 GMT

Minutes later I did app. Instant approval. 7.99% fixed apr for $2500.00

I never thought I'd have a 7.99 card.

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 05:24:17 GMT

Super Congrats!

Re: Juniper - Platinum Mastercard

Schoolbuskid — Fri, 04 Jul 2008 05:55:18 GMT

Is this card by invite only? If not where do you apply?

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 11:00:58 GMT

It was a "Pre-Aproval" I received in the mail. That is an invite of sorts.

Re: Juniper - Platinum Mastercard

Anonymous — Fri, 04 Jul 2008 15:31:27 GMT

Yes- this is invite only

Schoolbuskid wrote:

Is this card by invite only? If not where do you apply?

Re: Juniper - Platinum Mastercard

Schoolbuskid — Fri, 04 Jul 2008 15:35:51 GMT

Thanks Timothy!