I just paid on my juniper account and noticed my interest rate was at 9.99%, with all the changes lately I felt pretty good about my interest rate. I received an alert from them about my credit line. So I went on-line and they raised my interest rate to 27.99%. Now I feel stupid. So now I am paying them off and cancelling them. Please just use your debt card. NO one should be charge 27.99%. The card company can and we have no choice, or do we. Pay them off and cancel. no more need for them!