Pruning

[Anonymous]

I suspect they are going to be on my pruning list too.  So far I have yet to read anything that counters my nervousness about them.

[haulingthescoreup]

I have a question, and I'm not being facetious: what is a "good" card from Juniper?

Juniper is non-existent where I live, as is WaMu, by the way. I think that MV's Barnes and Noble card is Juniper, and he seems to love it, and it has some sort of killer CL, unless I'm confusing it with something else.

But all I really know about Juniper is from the Junami last fall. So what's the hot card or cards? Other than being just about as capricious as AmEx, what are they like to deal with? Do they have any special things that they do really well with rewards or customer service or something?

[Red1Blue]

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Timothy wrote:

Puts me BACK down to 8 CC 1 store and 1 Charge card.

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Is there an magic with number 8 + 1 + 1 ?

[Anonymous]

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haulingthescoreup wrote:
I have a question, and I'm not being facetious: what is a "good" card from Juniper?

Juniper is non-existent where I live, as is WaMu, by the way. I think that MV's Barnes and Noble card is Juniper, and he seems to love it, and it has some sort of killer CL, unless I'm confusing it with something else.

But all I really know about Juniper is from the Junami last fall. So what's the hot card or cards? Other than being just about as capricious as AmEx, what are they like to deal with? Do they have any special things that they do really well with rewards or customer service or something?

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I can't say anything negative about them. 

• They were my 2nd highest major CC for about a year. 
• They trusted me with a 2k limit when I was still hanging out in sub-600 land. 
• They auto CLI'd me to 3k on the 1 year anniv.  I have the Travelocity MC (those gnomes - so ugly they're cute). 

The APR is high and until the AF hit in Jan I forgot there was one.  They're now tied for the #3 spot for high CLs so I'll keep them until Jan 09 and see if they'll get rid of the AF or if they will be bounced off my credit island. 

[Anonymous]

Nope- But it does make everything easier-

1 Mortgage, 1 HELOC, 1 Auto, 2 SL  to go with them-

My lowest CL is 3K.  UTL is still way bellow 5%.

15 open accounts for me,

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concorduser wrote:

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Timothy wrote:

Puts me BACK down to 8 CC 1 store and 1 Charge card.

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Is there an magic with number 8 + 1 + 1 ?

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[Anonymous]

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@haulingthescoreup wrote:
I have a question, and I'm not being facetious: what is a "good" card from Juniper?

Juniper is non-existent where I live, as is WaMu, by the way. I think that MV's Barnes and Noble card is Juniper, and he seems to love it, and it has some sort of killer CL, unless I'm confusing it with something else.

But all I really know about Juniper is from the Junami last fall. So what's the hot card or cards? Other than being just about as capricious as AmEx, what are they like to deal with? Do they have any special things that they do really well with rewards or customer service or something?

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I got the Juni Carnival Seamiles card because I wanted the rewards... although if I'd known that they were also B&N, I would have gone for that instead. (but I'm not allowed to go to B&N without a "keeper" so maybe that's not a bad thing!)

They gave me a $5K limit (my biggest to date) but after reading things on here, I fully expect it to be CLD'd or closed. I've got new accounts, them included, and I don't think they'll like that one bit. Here's the thing though, the new accounts I have opened serve a specific purpose whereas they were for something not credit related. I could just as easily continue to grow my existing accounts and new ones, build a good credit file, and then pay for my future travel on one of those other accounts.

I suspect the rewards from them are going to be less and less of a reason to keep them as time goes forward.

So I appreciate my first really nice sized CL, but I'd rather not have the worries that seem to go with them.

[jsmith12345]

I constantly get pre-approvals from Junny in the mail at 8.99% fixed, but it says a "credit line of up to $7500".  Is that the maximum they give out?  I noticed you combined to get to $10k, that surprised me?

Message Edited by jsmith12345 on 03-10-2008 06:30 PM

[Anonymous]

I got a 4K on the Plat, 3K Seamiles and 3K on Emi

The Emi was closed right after JunnuyFest in Sept-

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jsmith12345 wrote:

I constantly get pre-approvals from Junny in the mail at 8.99% fixed, but it says a "credit line of up to $7500".  Is that the maximum they give out?  I noticed you combined to get to $10k, that surprised me?

Message Edited by jsmith12345 on 03-10-2008 06:30 PM

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[MidnightVoice]

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haulingthescoreup wrote:
I have a question, and I'm not being facetious: what is a "good" card from Juniper?

Juniper is non-existent where I live, as is WaMu, by the way. I think that MV's Barnes and Noble card is Juniper, and he seems to love it, and it has some sort of killer CL, unless I'm confusing it with something else.

But all I really know about Juniper is from the Junami last fall. So what's the hot card or cards? Other than being just about as capricious as AmEx, what are they like to deal with? Do they have any special things that they do really well with rewards or customer service or something?

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MV has a Junny Gas rebate card with no AF and it was his highest CL by a factor of 3.5 when they gave it to him

Mrs MV has a B&N cards and they gave her an initil CL of $15,000 (that is a lot of books)

Dr and  and Mrs MV Pif every month and have had no problems whatsoever.  And Junny checks their TU every month just to be safe.

The MVs have no complaints whatsoever

[haulingthescoreup]

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@MidnightVoice wrote:

Mrs MV has a B&N cards and they gave her an initial CL of $15,000 (that is a lot of books)

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An INITIAL limit of $15K? **bleep**!

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Dr and and Mrs MV Pif every month and have had no problems whatsoever. And Junny checks their TU every month just to be safe.

The MVs have no complaints whatsoever

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Well, I guess not. I wouldn't dare make a peep!

There is a good Barnes and Noble here, dead middle between the two Borders stores. And I'm all in favor of competition, now that they've run off the local stores. hmmm...