topic Re: Juniper Card in General Credit Topics

Juniper Card

Anonymous — Wed, 18 Jul 2007 16:06:09 GMT

Where do I go to apply for a Juniper card? Will they approve me w/ a BK form 03 and a TU score of 615?

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:08:15 GMT

Good question. I went to the site and it appears to be for people who have already been approved for credit cards.

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:18:14 GMT

Profit wrote:
Where do I go to apply for a Juniper card? Will they approve me w/ a BK form 03 and a TU score of 615?

I'm not sure I would bother if I was you. My BK was in 2001, and I had already received a Cap One card and had scores in the high 600s when I applied for a Juniper card. I got the card, but it has a $300 CL and a very high APR. Shortly after getting that card, I went to Orchard bank and did way better. HSBC has given me three cards within a couple months. All with good CLs and really decent terms. My Discover has a $7000 CL which really helps me keep my utilization low when I use a card for a big purchase like this years vacation.

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:19:53 GMT

Thanks. Did you get approved for your Discover after your BK? What were your scores, if you don't mind me asking?

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:20:47 GMT

Partner cards

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

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:28:58 GMT

Profit wrote:
Thanks. Did you get approved for your Discover after your BK? What were your scores, if you don't mind me asking?

Yes, I did get it after my BK, but it has been 6 years since the BK. My scores were in the low 700s (high 600's) when I got that card (699-726). I was one of those people who never tried to fix up my CR after the BK, figuring I would just take my lumps. I just started being proactive within this past year. Read some of my other threads if you want to learn from my many mistakes. I have had some real success stories as well over the past couple months.

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 16:32:54 GMT

so_confused wrote:
Partner cards
https://www.barclaycardus.com/app/ccsite/affiliates/prtnrCoBrandDynamic.jsp

That's a pretty good link. They seem to have a TON of partners. Mine is an Apple card, but they aren't listed on that page. I only used the card a couple times, and now, IF I use it at all, it is paid off in full when the bill comes. Can't stand those 20%+ rates.

Re: Juniper Card

chartley3 — Wed, 18 Jul 2007 16:45:49 GMT

I was approved for an Airtran Airways Platinum card with a TU score of 604 and a BK from 1998. Ive also talked to there CSR's and they are very helpful and friendly, unlike some of the starter card people. No annual fee and 0% APR on balance transfers.

Re: Juniper Card

Anonymous — Wed, 18 Jul 2007 17:17:06 GMT

Awesome chartley3!

Re: Juniper Card

sl — Wed, 18 Jul 2007 23:40:16 GMT

I just applied and they said they need more time to review my information....grrr. I know that generally means a big NO!

Message Edited by sl on 07-18-2007 04:40 PM

Re: Juniper Card

Tuscani — Wed, 18 Jul 2007 23:43:06 GMT

Juniper reconn:

FAX: 1-877-523-0481

CREDIT DEPT: 1-866-408-4064

Re: Juniper Card

Anonymous — Wed, 02 Sep 2009 22:30:58 GMT

I have had a Juniper card for 18 months-never missed

a payment. Initial rate 7.9----then when I had to use it for

business and it was near limit-not ordered magazine and

another item not authorized made it go over my credit limit.

I immediately made payment and they raised my interest

rate to 20 % and added over limit fees!

The nightmare gets worse in dealing with oversea agents.

Be forewarned! Any advice?

Re: Juniper Card

haulingthescoreup — Thu, 03 Sep 2009 01:37:31 GMT

Hi, petunias, and welcome to the forums! Sorry it's under these circumstances.

Since both charges were unauthorized, I'd call and ask that they take off the over-limit penalties (APR jump, etc.) Check the "backdoor numbers" thread stickied on the Credit Cards board to see if there's a Juniper number that will get you past the first-line reps.

Is your CL on the low side? This sounds like an excellent reason to pay online multiple times during the month, so that you have a bit of a cushion from unpleasant surprises like this.

Good luck!