CommentPage 1 of 2
All of your complaints are valid.Statements- When 50% of your calls say you did not receive a statement, it's believable. Of course they are not mailing them in an appropriate time frame and the great old United States Postal Services gets all the blame, it's 99% of the time a lie. It would be different if it were only a couple here and there, but such is not the case. Of course they will tell you there are laws that mandate a time frame for mailing, but any company can cook the books. If you receive e-mail alerts make sure your SPAM filters are lowered, or you will stop receiving alerts possibly default which leads to higher APR.
Fees- There are 2 tiers of card holders Prime (worldcard) and Middle market (platinum). If you are prime you may be given a one time courtesy fee adjustment, if you are middle market forget about it. Overlimit fees, again middle market customers will receive one at any time they go over their credit line within the statement cycle. There is NO grace period. Fees are profit for the bank, yes they've got to earn money.
Payments- If you have experienced a payment hold, think about it the longer the bank holds your money on the books, the more interest they earn (profit). Payments posting one day after the due date, to keep the processing low the payment processing center has up to 4 days to post your payment. Use the FREE payment options (web and auto phone system) by 7 pm EST (safest bet).
Complaints- The supervisors, managers, and executive office do not care, they will read you a scripted line of ear candy. The only complaints that get any attention are those filed with the BBB or FTC, they do not want the scrutiny of their business practices. But, the bank knows that 98% of those who threaten to contact these agencies do not follow through, they bank on it. So, follow through and you may get results.
Solicitations- for Account Protector, Vip and other CRAP, OPT OUT people. You can do so on the web site under the "Alerts and Profile" section, under "Profile"
As a personal consumer and credit card carrier for 10 years I have never had the problems with any of the 3 cards I carry that I have heard day in and out from my customers. We actually pity the fools who use our cards because we know at some point they will be burned. If your card is affilitated with one of our partners (Apple, US Airways, etc there are 61 partners) complaints to the partner will have them thinking twice about the company representing them. And it works Apple ended the contract with Barclays quietly switching to the Juniper Visa with iTune rewards because of the complaints that they received and not wanting the affiliation to tarnish their reputation.
Protect yourself, read the fine print. Always request promises made to you in writing (so you have proof, duh)
 Comments (12) |  |
| 1. Written by john, on 17-03-2010 02:56 i called to see if i got aprove .and i did, but i have not activated the credit card yet ?i had a weird feeling to see if its a good company? man im so glad i did my homework !!!but the question i have as long i dont activate the card am i safe? i need someone help to see aslong i cut the juniper credit card am i safe from the evil company? thank you guys for all the information. you guys save one person from the evil juniper company which that would be me. my nane is john from pittsbugh,pa thank you guys god bless you all  |
| 2. Written by Amanda866925, on 27-02-2010 12:31 This company is bullshit i never seen anything like this. I have paid on time everytime. i am now at 54% its effin crazy. I am done with this bullshit |
| 3. Written by another pretty face, on 10-08-2009 18:41 I have lots of credit and cards and never get a late fee except these folks. My "default" went to 27.99...filed that with the office of comptroller and they got to adjust back to original rate and refund me a ton of cash...just believe what this says and be careful. |
| 4. Written by Concerned, on 03-10-2008 01:08 I just applied and was approved for a CC but with all the complaints im going to call to close the account and not use the card. |
| 5. Written by Card Holder, on 25-08-2008 14:59 I have used the card for two years with out one problem. I use the web sites automatic payment and download my statement to my fanacial software each week and am able to keep track of my balances so I don't go over the limit. Seems to me people are thier worst enemies |
| 6. Written by Liam, on 23-07-2008 06:16 I don't deny anyone else's experience, but I have had a Barkley's Credit card for several years and have never had a problem. Of course I pay off all credit within a few days of using my card. |
| 7. Written by leopardfan, on 02-07-2008 23:16 Has anyone considered taking some kind of legal action against Juniper, i.e. a class action suit? |
| 8. Written by Unhappy Consumer, on 29-06-2008 14:11 I would not recommend obtaining a card with them. Late bills, inappropriately added fees and an interest rate that increases everytime you turn around are not good business practices. They have raised my rate when I haven't had any late payments. As a matter of fact, I usually pay my balance in full to avoid their outrageous fees. I have a low limit and only use the card to earn free iTunes points. They won't increase my limit either which is a real annoyance. When I e-mail them they never respond and when I call they don't answer my questions because they do not veer away from their scripts. |
| 9. Written by A Consumer, on 29-06-2008 14:06 I don't think you know what you are talking about. I have a juniper Apple rewards card and it is issued through Barclays Bank so Apple did not terminate their contract with Barclays Bank. |
| 10. Written by Pissed consumer, on 05-06-2008 15:52 I also have had many problems with this credit card. I made the payments it said was necessary to make each time. Granted they were the minimum at the time. By paying the minimum I went over limit 3 times. I figured since i was making the payment they said was minimum I was making enough of a payment. Because this happened 3 times and they did not notify me it was a problem, I now have a 34% interest rate. I am rolling over my balance to a lower rate credit card. They lost in the long run. I will no longer honor them with my business and I will l make sure everyone knows what a lousy business practice they have, Including Apple. They pointed me to Junipers direction when I wanted to buy a laptop. |
 |
| Comments on EX EMPLOYEE TELLS ALL | |
Consumer Forum is another great place to discuss consumer concerns NOT RELATED to this article. |