I had to chuckle when I received an email after the fact letting me know that my Juniper Bank card credit limit had been reduced from the approved credit limit of 3, 000 to 2, 200.00 because my use of my card (new customer) was risky behavior despite the fact that I had already set up payments on line before I even received the first statement. In fact I had paid more than the mimimum payment and had not even gottten a bill yet. I was shocked and was charged a 39.00 over the limit credit card fee and then when I looked at the statement they had charged me an APR of 41 percent. I wrote a letter demanding that they put my credit approval back to what I had been approved and they sent me back a form letter saying it is still 2, 200.00. They are the worst card I have ever applied for it is like dealing with a loan shark that comes around threatening you with protection money or else. The only difference is that they are doing it electronically. When I pay off this balance and it will be soon this is one consumer that will definitely not be returning to Juniper credit card or as I call it Jip credit cards from Bullcrap bank not Barclay bank...The most hilarious part of it all was the letter that they sent me said that they would not report my risky behavior to any credit card companies.
I checked the credit score on their so called credit report that they supposedly give you as a courtesy for being a Juniper customer and was really perturbed when I saw that my credit score had dropped significantly from excellent to good. Yikes what a nightmare this company has been and who the heck do they have to answer to? I would really like to know where the consumer goes to yank these companies off the map?