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Bunch of Crooks
Posted by Ridiculous on 10/29/2007
SACRAMENTO, CALIFORNIA -- I kick myself everyday for not doing my homework on Juniper Bank before starting an account with them. Being that I received the credit card through Apple Computers, I assume they were legit. Boy, was I wrong! I just recently was ONE DAY late (payment was due on the 25th) on my $15 min payment (i generally pay at least $50 every time) on a balance of $241 and they charged me a $35 late fee (on the 26th!)! Of course I find this completely and utterly ridiculous so I try to call the call center...on hold for 10 minutes (not including trying to get through the automated system to get SOMEONE) before I finally gave up.

Thank God my account is now closed!...just trying to get rid of the balance to rid them all together! And don't get me started why I actually had a balance that high with them!

     
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Posted by ejack053824 on 2007-10-29:
That's why you either have auto-pay or make sure you pay the credit card bill ON TIME!
Posted by Extended Warranty on 2007-10-29:
Learn to use a credit card first. Paying the min AND late, are no nos.
Posted by Ponie on 2007-10-30:
Whether it's one week, one day, or one minute--late is late.
Posted by Anonymous on 2007-10-30:
You were late.
Why didn't you pay on time ?
Good luck.
<;O)
Posted by FoggyOne on 2007-10-30:
You signed an agreement saying you would pay your bill on time and that you'd be charged a fee if you didn't. You didn't pay you bill on time, they charged you the fee. How are they the crooks?
Posted by Suusan B. on 2007-10-31:
Juniper Bank is "legit" and, as such, has legitimate terms and conditions you agree to when you use their accounts. And one of those is that you will pay your bill on time each month or you will be charged a late fee. The day after the due date equals late.
Posted by runaway on 2007-11-09:
I always wonder about these people who state something was "ONLY XXX late!" If it was your paycheck, how late is okay? Why is it okay for someone to be late, then complain when faced with the consequences?
Posted by Anonymous on 2007-11-09:
While M3C is a place to vent this complaint is RIDICULOUS!
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Rude Customer Service
Posted by Kenbeck12 on 09/11/2007
I've had my Air Tran (Juniper) credit card for 2 years now, I have never been late, never missed a payment, never paid a dime in interest. I went to use my card at the pharmacy and it came back declined. They illegally got a hold of my credit report and said they closed the account because chase bank gave me a credit card with a high limit. The limit on Juniper was a measly 1,600. They were so rude on the phone, I told the guy if I was paying you 10 dollars a month in interest the account would have stayed open. He said your probably correct. I would never recommend Juniper or fly spirit or AirTran again.

They reported this on my credit report at closed by merchant, their is no quotes that it was paid every month on time in full. Please folks stay away from Juniper now known as Barclays.

     
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Posted by Anonymous on 2007-09-11:
What law did they violate by pulling your credit?
Posted by Anonymous on 2007-09-11:
kenbeck12, they all will do that because if you pay on time and have no interest to pay the they don't make a lot of money, they do make 6% every time you buy something, but that is not enough for the greedy people.

I would consider it a blessing in disguise.
Posted by Anonymous on 2007-09-11:
First let’s get the facts straight about credit which there are a few meanings. Lets take just two for now. “Credit is something that you have to earn. You don't get it just because you did this or that.”

The first one would be the one a person earns because he/she did this or that:

1. [noun] approval; "give her recognition for trying"; "he was given credit for his work"; "give her credit for trying"; "the credits were given at the end of the film"
Synonyms: recognition
2. [noun] money available for a client to borrow
This second one would be the one you are talking about and it is NOT something earned. A prospective client calls on a lender or a company offering monetary credit which is an arrangement for deferred payment for goods and services at a price, called interest. This is a business proposition and has nothing to do with anything earned, lets not make that mistake.

If this were true as you put it, then I assure you no one would have any “credit”. Credit is bought and sold just like any other commodity. There are many misnomers about the credit industry and for most it has become a way of life which they believe they cannot live with out, this is not true yet is presented as fact under the premise, “why wait when you can have it now” or “you must have this or that before it’s to late”.

This simply put is a way to keep up with the Jones and has a harmful backlash on society know as DEBT. Many people live like this and we blame them for getting into debt when it is something that is pushed on most people. It can and does become a sickness just like gambling or and addiction just like drugs. What you are saying is it is an earned privilege, in the real world credit is no more a privilege then the debt it causes. The credit industry is out of control and not regulated by any means. Interest rates go up and down very simply at the whim of the lender and the only thing the critics or as I like to say, the lost soles can say then is “You didn’t read the fine print”.

That’s another subject but to some it up, the fine print is written by lawyers for lawyers and to the “average Joe” as we call them, means nothing and that is if one can read that small a print and/or has a lawyer do it for them before they get into debt with this BS we call credit.

I could go on and on about credit in this fashion but I think you get my point?

Financial Credit is NOT earned, that would imply it is given freely from the labor of a person.
Posted by Hugh_Jorgen on 2007-09-11:
I think Lidman nailed it. You figure out the problem - "....never paid a dime in interest". Juniper has to buy those FF miles from AirTran to give to you - they might make 2 of 3% on the transaction, but if you don't carry a balance and pay interest, they lose money on you every month. They can legally pull your credit report from time to time and the new account you have with Chase was the perfect excuse for them to cut you loose.
Posted by Slimjim on 2007-09-11:
"their is no quotes that it was paid every month on time in full" Actually this information can be deciphered from a report based on the history of R1's and high balance. Also, they can do a soft pull on your credit anytime they want to be sure you still fit the criteria of having the account and/or to determine an adjustment in the credit limit one way or the other. That's not to say it wasn't insulting that they canceled the line of credit solely because another creditor felt you deserved a bump in limit, hence affecting your "possible" debt to income ratio. If you paid every month in full, you obviously don't need it. Use your now robust Chase account and like lidman said, to heck with them.
Posted by Anonymous on 2007-09-11:
kenbeck12: Just think, one less credit card to pay every month.
I voted your review, well, i would have voted it 'Very Helpful' but, your debt to credit ratio is too high now.
lol
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Customer Service good but I"m still unhappy
Posted by Dwight01 on 04/17/2006
I switched my USAirways credit card from B of A to Juniper Bank because of the enticements they offered. When I got my first online statement and tried to download it to Quicken, I couldn't. I called Customer Service. Even though the menus are a little tedious, I finally just pressed '0' and got a Customer Service Rep with NO WAIT at all. This was mid-day, I think about 2 PM on a Monday. The answer, however was totally unsatisfactory. They don't support the new version of Quicken which has been out now for like TWO YEARS. There is a workaround (download file to desktop, then import to Quicken) but that really is annoying. So, in my opinion based on one call, GREAT customer service, BAD product enhancements. I'm going to write them a letter about adopting the Quicken new version.
     
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Posted by viperpa33s on 2006-04-17:
If you got a CSR by just pressing zero, don't know how you did it. I just called up Juniper Bank and also went through the menus, tried pressing zero and all I get is, "I'm sorry we don't recognize your last request."
Posted by good customer on 2006-06-26:
thywe say they will start to offer quicken in september..i hope so!
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Juniper Bank - unfair rate practices?
Posted by Cougar67 on 05/29/2004
FLORIDA -- Both my wife's and my credit card interest rates were raised unexpectedly, mine from 11.97% to 23.99% overnight. With today's rates so low, this is absurd. I had credit reports pulled by my bank and was told I had perfect credit. With today's rates so low, this is completely absurd. It appears after the 6 month introductory period, they raise the rates (at least for both me and my wife and people posting on this site). How long before a class action suit against Juniper occurs? We'll sign up if there is one.

     
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Posted by bill on 2004-06-01:
"It appears after the 6 month introductory period, they raise the rates". That's what a introductory rate means, after 6 months the rate goes up.
Posted by xaxphaanes on 2005-12-21:
i work for juniper by the way

also your rate doesnt go up that much just after a intro period you more than likely defaulted within the past 6 months since that is there penalty rate if you did it will go back down with 6 months of good history
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Credit Limit/Interest Rate
Posted by DieselBoi on 10/12/2007
HUNTINGTON, NEW YORK -- I've had my Juniper Bank Master Card for just over two years now. I am surprised at how many issues people have had with fees, customer service, etc. I have always been able to speak to somebody at customer service when I need to, I have never been charged superfluous fees, or had trouble with my payments posting immediately and then having the funds available to me. My issues are with the interest rates and my line of credit. Initially I received 0% APR for six months. This went well and at the end of the six months, the APR went up, it has continued to do so over the past year and a half until finally settling at 21.9%, my next highest interest rate on a card is 12.9%. In addition to that, I have not received an increase in my credit limit in over a year. I received several during the first year I had the card and have not since then. I use it regularly, never have missed a payment. Sometimes I carry a balance, but most months I pay it off. I have tried to run it up and then pay it off, nothing works. I even went so far as to call and request a limit, seeing as I'm an excellent customer and have stayed with them so long. I was told I would I wasn't eligible and would receive a letter explaining why.

All I received was a form letter telling me I couldn't request a credit limit increase. I find this to be obnoxious since I have good credit, am not in debt, and pay them regularly. The only reason I keep the card is b/c I hate switching all the time and they are currently my oldest account.
     
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Posted by Anonymous on 2007-10-13:
I believe that the account needs to be open for at least two years to be rated as "good". After that, the credit card companies evaluate your account performance. If you have never gone over the limit, always paid on time, etc., you should have received a credit limit increase.
Good luck.
<;O)
Posted by Anonymous on 2007-10-13:
You have two postings here today, both extolling your good experience with sub-prime lenders. If your credit is as good as you say, why are you dealing with these bottom feeders at all?
Posted by DieselBoi on 2007-10-13:
KenPopcorn - I do have an Amex as well, which I'm happy with but it's not accepted everyplace. Juniper was the first card I got when I was in college and Orchard Bank shortly after, I got pre-approved letters in the mail. I was informed that it was bad for your credit to keep hopping from card to card so I've kept the Juniper one open since it's the oldest. I keep the Orchard Bank b/c although it's not the most presteigeous, they have treated me very well as a customer for the past year and a half. When they upgraded me to the visa platinum, they offered 18 months of 0% APR, who else offers that?
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No Customer Service Combined With Unjust, Rip-Off Fees
Posted by Sports on 04/20/2006
DETROIT, MICHIGAN -- I am being Ripped-Off by your policies of unnecessary FEES and scandalous customer service which I have just read about on the internet. I had the displeasure of having to be dealt with by someone yesterday (when I somehow slipped thru a crack in the option menu and got thru to a " {BAD} Relationship Manager " who must have her PHD in DISSERVICE. I have never in my life talked with anyone representing a legitimate business so obviously uninformed and incapable of doing anything except READING SCRIPT intended to GET ME OFF THE PHONE.

It is obvious that your bank or whatever it is will never compete with Capital One. The reason you don't have an option to speak with Customer Service is quite obvious. YOU DON'T HAVE CUSTOMER SERVICE!
     
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Posted by viperpa33s on 2006-04-20:
If you have a balance, pay it off as quickly as you can like I am doing. Then cancel the card just as fast. Juniper don't care cause they are realing more people in everyday just like they did with me.
Posted by good customer on 2006-06-27:
i had great service from Juniper.. Can I guess that you started randomly shorting at the service reps or were just plain rude. At little tip from someone who works in the industry....be nice to the person you speak to. They did not personally add the interest charges or late fees!
if you are going to be helpful on this board then at least geice specifics....why so mad in the first place etc
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Credit Fraud - Run, don't walk away from this company
Posted by on 07/27/2005
WILMINGTON, DELAWARE -- I attempted to apply for a Juniper Credit card at my local Apple store. I completed the online application, but when we hit SEND, a message was sent saying my application could not be processed and that I did not have a line of credit. I left the store assuming that no line of credit had been created in my name.

Later that day, I received an email stating that a line of credit with Juniper had been established in my name. When I tried to call them to find out how this happened, I was "greeted" with poor customer service (basically a bunch of rude young women with lots of attitude) who seemed to care less that a line of credit had been established in my name with no notification.
     
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Posted by Anonymous on 2005-07-28:
Wasn't the e-mail enough notification on the SAME day?
Posted by xaxphaanes on 2005-12-21:
lol people are so ignorant it is laughable and yes the e-mail on the same day was notification


websites have errors this is no big suprise so why are you mad when you wanted to get the credit but when you got it you are mad? that makes no sense and you dont deserve a credit card then
Posted by deeges on 2006-04-14:
i am having the same problem. first they gave me a credit card that i didnt ask for.I wanted a balance transfer for 5,000 and they told me they would have to get back to me next thing you know i get a card in the mail with a $1000.00 balance.So i called canceled the account sent them 1000.00 Next i get a bill for $5.00 so i send that in.Crossing in the mail comes a bill for$.05 cents that got shuffled in the clutter of my desk and next they send me a bill for $39.05 for a late fee.I tried calling no way to talk to a human then when i finally get to talk to someone they say oh sorry we cant do anything about it.I asked to be transfered to a account manager they said sorry it was against their policy to do that.I got very aggitated and now its been 4 months since i tried to close my account and i found this post in my travels.THis company sucks worse than ANY company i have evere dealt with!!!!!!
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Credit cards scams - the old bait and switch
Posted by Manny2100 on 05/01/2008
WILMINGTON, DELAWARE -- Like many other I have been taken in by Juniper / Barclay Bank. But unlike others I believe its time that Juniper Barclay bank be accountable for their actions. And I advise others to do so, first I suggest filing a complaint with the following:

1). The Better Business Bureau (in Delaware and in your state).

2). With the Federal Deposit insurance Corporation at www.fdic.gov

3). with the attorney generals office (in Delaware and in your state)

The fact is while we present our case on this web site it doesn't change the way Juniper/Barclay bank is doing business unless take a stand with the proper bureau's. Based on the number of complaints on this web site it is clear that Juniper / Barclay Bank presents a harm to the general public in the manner that they do business, I'm surprised a class action suit hasn't filed against Juniper/Barclay bank in the State of Delaware by the Attorney generals Office. So I suggest pressuring these organization to do so by filing your with them at once.

     
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Posted by madconsumer on 2008-05-01:
so what was it they did to you? a few details will help us greatly.
Posted by Anonymous on 2008-05-01:
Juniper is a bad cc choice no doubt but I don't see where they are criminal requiring government intervention. It's like if a restaurant served really bad food you wouldn't call the cops you merely wouldn't eat there anymore.
Posted by heaven17 on 2008-05-01:
Bait and switch again...oy.
Posted by bill on 2008-05-01:
"The fact is while we present our case on this web site" You have't presented a case here. What did they do? Where is the bait and switch?
Posted by Ponie on 2008-05-01:
Let's see--probably the following: Three or four late payments, couple of times over the limit, returned checks, etc. Those doggone fees! Manny, just take the bull by the horns and start your own class action lawsuit. You'll be doing society a favor by putting them out of business.
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Contrived Fees
Posted by OMG on 10/22/2007
I STRONGLY recommend AGAINST doing business with this company.

Well it appears that I am not the only one--I was starting to think I was a bit nuts...my first payment was due in Aug--only $5 I talked to a rep and then went online to setup an auto payment--I asked the rep if I should pay the $5 while on the phone he said no, that the auto payment would take care of it--well the payment did not withdrawal--I got late fees...$39 +$39, talked to another rep in Sep who checked the bank account number said the draft would go through and it did, but evidently she removed me from auto payment so I be darn in Oct my draft did not go through, well since it is on the due date I did not know this until after the fact again $39 +$39 because the late fee puts it over the limit and then another fee--they talked to me as if I have no clue what I am doing and of course their notes say different. I originally set up to make a payment of $60. Now today the rep says I am $130 over due, talked to me quite snippy like I was a scum bag and transferred me, the next rep talked down to me also—my statement said only $88.73 due. Now this shows me over due 3 times in a row, has hurt my credit and prevented me from getting a loan to pay off this stupid account—and oh yeah I started with a lovely 8.99% interest rate which was quickly adjusted up to 31.74%.

I will also be posting the same information on pissedconsumer.com , complaintboard.com and make a complaint to BBB. I have informed Juniper (in writing) if they assist me in resolving the error I will report that information to all places I have made complaints. I have also informed them that I will provide the BBB complaint number to them. I will additionally provide links to these complaints.

I STRONGLY recommend AGAINST doing business with this company.
     
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Posted by Suusan B. on 2007-10-22:
I have a Juniper credit card and have never had a problem. No matter how you make your payment (by check, on-line or by auto-pay) it is your responsibility that it is received in time to avoid late fees. It also sounds like you set your auto-pay to pay your bill on the day that it's due which isn't a good idea as depending on the creditor, some don't post the day the payment is received.

You can complain to the BBB and post complaints on every website in the world, but for whateve reason you didn't do what what necessary to ensure your payment was received in time to post before the due date.
Posted by Anonymous on 2007-10-22:
Send bill pays from your personal checking account and send them at least 2 weeks before the due date.
Good luck.
<;O)
Posted by grandma005 on 2007-10-22:
As soon as you receive your bill you should pay through bill pay. Some credit cards only give you 12 days from the time you actually receive your bill and when it is due.
Posted by OMG on 2007-10-22:
Appreciate your comments, the bills were paid on time--I had the darn reps on the phone the first two times with me.
Posted by DebtorBasher on 2007-10-22:
I had problems with this bank as well. I'm glad that's behind me. I may be misunderstanding exactly what you paid after the fees were added. but if you agreed had it set up for $60...and the amount due was more, then it is going to carry over with more late fees because it wasn't paid in full. They will apply your payments to your current amount before they apply it to the amount they can keep adding fees to. I agree with the comment above when they suggested you set up your payment date before the due date, this way you can verify if the payment was made at that time, which is before the due date and you can get it taken care of before you're hit with more fees.
Once I got rid of all my credit cards...I now only use my ATM card from my bank which has the MasterCard logo on it. I use it as a credit or debit and it comes right out of my checking account..no fees, no late charges, no bills (Unless you overdraft of course). I've never had any problems since.
Posted by Anonymous on 2007-10-22:
DB says that because she has my check book!

OMG, you just can't trust BANKS. Good luck to you and thanks for the information.
Posted by Ponie on 2007-10-23:
If your statement said $88.73 due but you were set up for only a $60.00 payment, that could have been the problem. Just thinking....
Posted by pjhwin on 2007-12-06:
I've had to many problems with card cards, so i use a prepaid card now by ace, no annual fees ,no monthly service fees, I load it for free with my paypal account, they only charge you 1 dollar per transaction when you use it. It works for me,
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$39.00 late charge on $1.34 balance
Posted by Sbcustomer on 09/19/2007
TENNESSEE -- Customer since 2005! I paid off my credit card balance in 8/07. My statement arrived for 9/07, the card had accrued a interest charge of $1.34. I didn't open the statement till one day after the $1.34 was due, I assumed that I had a 0 balance and would not be making a payment at all and almost threw the envelope away. I called the company ( it took forever to get through) and the "very rude" lady said that she would not remove the charge of 39.00 ( which posted to the card that day) I said then I will close the account, she transferred me and after being on hold for way too long I spoke to a man and closed the account. He tried to get me to remain a customer with lower interest rates, etc.,

I declined and will now wait for my final pay off statement of $40.34. I have been a good customer and can't believe that they would charge someone $39.00 for being one day late on a $1.34 balance. To me, It's worth paying the fee to be rid of Juniper!
     
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Posted by Suusan B. on 2007-09-19:
You didn't open the envelope, didn't pay the trailing interest charges and this is Juniper's fault? Late is late and it doesn't matter if it's for one cent.
Posted by Anonymous on 2007-09-19:
Our system of credit is concentrated. The growth of the nation, therefore, and all our activities are in the hands of a few men. We have come to be one of the ruled, one of the most completely controlled and dominated governments in the civilized world - no longer a government by free opinion, no longer a government by conviction and the vote of the majority, but a government by the opinion and duress of small groups of dominant men.
-Woodrow Wilson, three years after signing the Federal Reserve Act into law.
Posted by Anonymous on 2007-09-19:
Unfortunately, the computer system used by all banks is programed to tack fees onto your account after the due date. The computers don't care what the amount is if you are late. Sometimes calling will help you get it taken it off--it just depends on the bank or company you are dealing with. I would guess that most don't though, because that is how they generate income.
Posted by Sparticus on 2007-09-19:
This has happened to me before. Credit cards are notorious for such things... they have no mercy. They thrive off the fees and high interest rates.

I had closed out a credit card after college. I paid it off and called to close it. Apparently few dollar balance remained. Well I never received any correspondence from them for years! Apparently at some point they sent it to collections after it accumulated a couple hundred dollars in penalties. Then a few years later I found it on my credit report when I was buying a house! I never even knew it existed nor had anyone from the bank ever tried to contact me.

I owed over $300 for a measly $1.75 balance at the time I closed the account... This is why I love banks.
Posted by Anonymous on 2007-09-19:
How in the world can any sane person justify a $39 late fee for a 1.34 balance?

sbcustomer -- You might try Capital One. I've been late a couple a times and both times they waived the late fee. Anyway you did the right thing canceling your account. Good review! I voted your contribution 'Very Helpful'.
Posted by *Brenda* on 2007-09-19:
At what amount do you think it's justifiable for them to charge a late fee?

Late is late. You agree to pay a late fee when you agree to the card's terms and conditions. You got a bill. It isn't their fault you didn't open it. You should have realized there was a balance due, I NEVER get a statement on accounts that have a zero balance.
Posted by Anonymous on 2007-09-19:
*Brenda* -- The OP said they paid the balance in full then got the statement. I have a Bank of America corporate Visa that when I travel gets paid in full and they send me a statement showing the payment and the zero balance. I'd imagine that any cc issuer would send a statement when there is a transaction such as a payment even if the payment brought the balance to zero.

Yes late is late.... but fair is fair. A $39 late fee for an account balance of $1.34 isn't fair or ethical IMHO.
Posted by *Brenda* on 2007-09-19:
I've never gotten a zero balance statement, even after a payment. I have 2 BOA cards. Maybe it's because yours is a corporate card?

Credit card companies are in the business to make money. As long as they are following their terms and conditions that you agreed to they pretty much ARE being fair. If you don't like the terms then choose another provider or use cash/debit.
Posted by Anonymous on 2007-09-19:
*Brenda* - Okay, you're right. I was researching on the net to prove you wrong and I ended it up proving myself wrong. I hate when that happens... anyway most seem to have the following policy...

No statement is issued when the only transaction is a payment and no interest was accrued and the account is zero balance. Well, ya learn something new every day.
Posted by *Brenda* on 2007-09-19:
It must be because yours is a corporate card then Stew.. for accounting purposes I suppose?
Posted by Nohandle on 2007-09-19:
People, I get zero credit card statements showing my previous balance and my payment applied. My Visa and MC are with Chase. Didn't start that way, just one bank buying out another and they both ended up being Chase. I realize we are discussing BOA not Chase. Is it just BOA that doesn't send out zero statements?
Posted by *Brenda* on 2007-09-19:
I have 1 Chase card and I don't get zero statements. I wonder if it depends on the type of chase card.

I guess I'm making myself sound like I have a ton of credit cards LOL. I do I guess but 90% are zero balances I swear! :-p
Posted by DebtorBasher on 2007-09-19:
One of the biggest mistakes people make when paying off their credit cards...is sending in the payment that is showing as the balance on the statement. If you want to pay your card off, you HAVE to call them and get the "pay off balance"...when they give you that pay off balance, they will give you a deadline to get that payment into them. If you wait just one day past the date they tell you, there's going to be a small amount left on the statement, and it will build back up with late fees and finance fees while all along you're thinking it was paid off. Remember, first thing to do is ask for a "pay off balance"...and get it to them in plenty of time before the date they give you.
Posted by DebtorBasher on 2007-09-19:
No Handle...most credit card companies won't send zero statements...but if you are paying off your credit card, you have to ask them to send you a statement showing if paid off. They will do this by customer's request.

As for Chase...get away from them as fast as you can. I do not recommend ANYONE to deal with Chase, not for banking, credit card, loans, especailly mortgages. I worked for them and I can tell you they will screw you any chance they can.
Posted by Anonymous on 2007-09-19:
(B)asher -- My capital one Visa doesn't charge interest if you pay off the balance before the due date. I charge everything I can on my capital one to get the cash back reward and been doing it for years yet I've never paid a penny in finance charge (except the couple times my payment was late).. So, I'm confused. You're saying if you pay off the entire balance then you still get a finance charge? Splain please.
Posted by Nohandle on 2007-09-19:
I understand where you're coming from DB. All I was telling the others was that I do receive a zero credit card statement when I've had a charge and payment in full applied. What the difference is, when I receive one and others don't, I don't have a clue. I gratefully don't carry an ongoing credit card balance from one month to the next. Since I've been a member here I have heard more war stories about Chase than I'd like to think about.
Posted by *Brenda* on 2007-09-19:
Stew, the interest accrues daily. Ok, the statement comes out August 1. The due date is August 30. You pay August 20. You will be charged financing charges for August 1 - 20th.

Like a mortgage or a car loan. Not all credit card companies do that though
Posted by Anonymous on 2007-09-19:

Stew, Brenda is right and there is not a human factor involved. It's just like the IRS when they start charging interest it is done by a computer that doesn't care what day or even what minute it is, it just keeps adding until every thing is even.

Nohandle has the right idea and it’s the same one I do, works pretty good so far.
Posted by Anonymous on 2007-09-19:
One more thing:
He that is of the opinion money will do everything may well be suspected of doing everything for money.
-Benjamin Franklin
Posted by grandma005 on 2007-09-19:
This is why when I pay off a credit card I always send in an extra 5.00. That why I am not paying interest on my interest. If they send me a check for the difference that is good if not I do not worry about it because I am so glad to have them paid off.
Posted by Nohandle on 2007-09-19:
Folks, I'm royally confused here. With my credit card I make a charge. I then receive my monthly statement which will be for the charge. There's no interest from the time I make the charge until I receive my statement. I pay the balance in full and that's the end of it. I thought only if one cashed those checks included with the statement did interest begin to accrue from the time the check was cashed until the statement was sent. Are some of you telling me you have a card that accrues interest from the time you incur a charge of any kind? Or is this only with those who are paying off an ongoing credit card balance?
Posted by DebtorBasher on 2007-09-19:
Stew...what I was saying, is if you are going to pay off your balance with just the amount on the statement, and it's even 1 day late, there will be a finance charge left on a bill you think was paid off...that finance charge will have a late fee because the customer wasn't aware of the small balance, they thought they paid it off. Finance charges and late fees can add up to over a hundred dollars before the customer finds out about it...all from that small amount left on the account. I've seen this many times with the accounts that NCO collected on. I remembered monitoring calls where the customer's swore they paid their account off. They paid what they were told to, but they didn't get it the time they were supposed too. The payment was applied, a small balance was left of maybe less that five bucks...and whamo...a bill collector is calling for an unpaid bill.
Posted by Anonymous on 2007-09-19:
Okay I researched it. It depends on the grace period and the grace period policy. First of all some cards don't have a grace period which would be *Brenda*'s scenario. Some companies have a grace period but it doesn't apply to the previous balance so *Brenda*'s calculation would apply to the previous balance but not the new charges and some have a grace period that applies to both the previous balance and the current charges. Clear as mud, eh?
Posted by Anonymous on 2007-09-19:
I don't get any credit card statements in the mail. I have opted to only receive them on-line. That way I can check them any time I want and they aren't floating around in the mail. I am never charged interest because I pay off my balance in full every month. I have about a 25-day grace period. This has been one confusing mess!
Posted by sbcustomer on 2007-09-19:
WoW, I didn't expect to get so many responses! I had this happen to me with another company (chase), it was for $6.00...2 days late....basically the same scenario. I know, I should have learned my lesson the first time. Anyway, Chase waived the late charge. They told me they do not charge a late fee for balances under $15.00! I just feel that after being a good customer for so long, I should not be charged for such a small oversight. But I think that we all agree... they have to make a profit some how. Why not make a few dollars from those who "DO" pay their debts off in a timley manner? They won't make a profit off those people otherwise! From now on I will take grandma005's advice and pay an extra couple bucks next time I want to assure a 0 balance.
Posted by Anonymous on 2007-09-19:
Yeah, sb, it does sometimes seem that no matter what you do, they still try to find a way to "collect" in some way. Like they're just waiting for us to slip up. See if you can get your statements on-line. You'll have more time that way--than receiving them through snail-mail. Good luck in the future.
Posted by DebtorBasher on 2007-09-21:
As a Warning to Chase customers...when I worked collecting on their mortgage accounts...Chase would take several post dated checks (although, by law they couldn't call it post dated, so they made us call it "future Dated" checks). Here is an example...A customer gets two months behind on their payments. They need to give three months payment to get current (two months behind and current month). Chase would apply the first two checks and delete the third one out of their system...WITHOUT NOTIFYING THE CUSTOMER!...the customer thinks they are current when the third check clears...but no...it isn't until they get further behind and more late fees, THEN the collector calls to let them know they are behind AGAIN...I noticed this to be the case, when I took three "future dated" checks...but I was always one to keep track of my own payments because the managers would allow other collectors to "take" payments from the collectors who actually got the payments...so, I noticed my documentation stated the customer did three payments...but only two cleared...I asked my manager and she would say, "Oh, the third check was dated past the window date,so we had to delete it"...I asked why the customer wasn't informed of this AND it puts the collector on the spot when we have to call them...I was told it was because we'd be calling them anyway to get the payment...they didn't want us using the dialer time to make "courtesy" calls informing customers of these things...but the way I see it, it's just another way for Chase to make money at the expense of their customers. I've always seen payments being deleted after the collectors took post dated checks. And to top it off...these were mostly the hurricane victims.
Posted by Dizey on 2007-09-22:
Juniper is a ripoff and they scam everyone - they are crooks and anyone who even defends these people must work there - they steal from their customers and they are the biggest ripoff going - I regret the day I ever signed up and got a card from them. Even when you pay this card off it seems you still owe them money - crooks, scum.
Posted by Kevin Carson on 2007-09-23:
sbcustomer,

Were you able to get to the customer service rep without paying a $15 fee? I've never even tried to talk to anyone on the phone because they make you agree up front to pay for talking to a "relationship manager" [gag, retch].
Posted by pjhwin on 2007-12-06:
I've had trouble with charge cards before so I use a prepaid charge card from ace, no annual fees no monthly service fees. I load it from my paypal account for free and they only charge you 1 dollar per transaction when you use it. I found that was the way for me to go.
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