Juniper ,Barclays Bank Delaware Bait and Switch Wilmington Delaware

Time Line regarding Juniper Credit Card

22 April 2009 Applied for card, online

03 May 2009 wrote letter to Juniper via certified Mail, cc: to Apple

07 May 2009 received phone call from Juniper asking me to verify my home address, length of time at the address, employer, & length of time with employer. All of this was included in my application & I re-verified the info over the phone & verbally was approved for $3,500 credit limit & the 12 months 0% terms

14 May 2009 I received the card which was approved for the $3,500 limit, but not the 12 months 0% financing terms

19 May 2009 I received a call from Apple in reference to my 03 May 2009 Letter. I explained the card $3,500 limit was approved: I was not approved for the 12 months 0k% financing. J Jaskiewicz, suggested I call Juniper to see if they reconsider the terms.

19 May 2009 I called Juniper & was told my application had been approved after the 30 April 2009 closing date for the promotion, hence I could not be approved for the 12 months 0% financing. No explanation was given for why my credit applications hadn't been approved immediately. I have 773 FICA score or higher with 3 credit reporting agencies, 4+ years with same employer, 4+ years at same address

19 May 2009 I email the essence of my conversation with Juniper to J Jaskiewicz, with Apple, Inc

21 May 2009 Composed & mailed certified letters to the 3 credit reporting agencies telling them that I'd not activated my Juniper credit card & had not asked Juniper to close my account. I wrote proactively because I don't want my credit score to be lowered if Juniper tells them, falsely, that I requested Juniper to close my account

22 May 2009 J Jaskiewicz, from Apple called me at 0930, the essence of our conversation is that J Jaskiewicz had spoken to Juniper who told him they had been inundated with credit application, that my application had been approved after the closing 04.30.2009 date of the promotion & that nothing could be done to change their decision.

I've NOT activated the card I received & will NOT use it under any circumstances

Bait & switch
Phoenix, Arizona
U.S.A.