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Barclays Juniper Mastercard Complaint - Paid my card off and was rewarded one week later with an addition of a new ANNUAL FEE!
Complaint
I have had my Juniper Mastercard and a Juniper Visa since 2007. I have a chapter 7 Bankruptcy in 2005, so obviously I had it when I got the Juniper cards. When I got the MC, the interest rate was 8.99 The it was raised to 14.99, where it is now. The Visa was 11.99, and is now 17.99 I have never had a late payment on either of these cards, nor any other credit card, my mortgage or my car that I also purchased in 2007. I purchased my house in 2009.I was already sick of credit card debt after Chase bought Wamu and jacked my rate up from 8.99 to 23%, and Target lowered my limit from $4500 eventually ending at $500, each time lowering it to just above my balance. If I wasn't paying over the minimum, I would have gone over limit. Anywho, Chase closed my acct, and I closed the Target acct. On the 1st of June, I paid off the Juniper MC, and between the 1st and 8th, I paid 1k on the Juniper Visa. I paid 500 on the 4th, which Juniper did not apply until the 6th. I called them and they didn't have a reason, but did tell me that I was being offered a balance transfer option on the MC. Imagine my surprise when on the 12th I receive notice regarding the MC saying they are adding an annual fee to my account of $49!!! They said it was due to my high balance on my cards, and my Bankruptcy, you know, the one from 6 years ago that I had when I got the Juniper cards! I have never in my life heard of a company adding an annual fee after the fact. I'm actually scheduled to pay off the rest of the Juniper Visa next month, before the annual fee starts on the MC, and I will be paying them both off and closing the accounts. I realize that may lower my Fico score, but better that than to pay an annual fee on a card I've had for 4 yrs with no annual fee! I'm just thanking God that one card is paid off and I can pay the other off, or I'd be over a barrel, and under Juniper's control. It almost makes me feel like they could see that I was paying the cards off, and they wouldn't be earning anymore interest from me, so they came up with the annual fee ploy. When I think of calling them to cancel the cards, I laugh hysterically. God is good, and Juniper/Barclays is EVIL!
Comments:
Posted by trmn8r on 2011-06-12:
Since you already went through Ch 7, I'm surprised you are carrying a balance on any credit card.
All of the rates that you mentioned are insane. 8.99% is by no means whatsover reasonable. I think my lowest rate is 8% - also far too high to pay unless I need money to bail my firstborn out of jail. What would be reasonable? Maybe 5% max. Can you find that? Not that I know of.
I've never paid one penny of interest on a credit card, because I pay my balance off every month. It is very liberating, not having to worry about if my fair weather friend the bank is going to come and jack me up side of the head while I have my back turned.
I hope we all can continue to find and keep credit cards with no annual fee. The new routine is to institute them to make up for lost revenue, as I am sure you are aware. I would ditch my card if they started charging also.
All of the rates that you mentioned are insane. 8.99% is by no means whatsover reasonable. I think my lowest rate is 8% - also far too high to pay unless I need money to bail my firstborn out of jail. What would be reasonable? Maybe 5% max. Can you find that? Not that I know of.
I've never paid one penny of interest on a credit card, because I pay my balance off every month. It is very liberating, not having to worry about if my fair weather friend the bank is going to come and jack me up side of the head while I have my back turned.
I hope we all can continue to find and keep credit cards with no annual fee. The new routine is to institute them to make up for lost revenue, as I am sure you are aware. I would ditch my card if they started charging also.
Posted by kjv on 2011-06-13:
I just received the same notice from Juniper that an annual fee would be added next month due to delinquencies on my credit and the amount of delinquencies. I called them to question it as I have zero delinquencies showing on my credit and I was told by two reps "It is a generic notice that may or may not apply to you specifically."
I was shocked and read the statement I received where it specifically says it is due to my credit and only had the same thing repeated to me over and over. I asked to speak to a manager and was hung up on once and put on a long hold the second time.
I will be closing my account and am thankful that I am one of those who can. This is the worst experience I have had with any company.
I was shocked and read the statement I received where it specifically says it is due to my credit and only had the same thing repeated to me over and over. I asked to speak to a manager and was hung up on once and put on a long hold the second time.
I will be closing my account and am thankful that I am one of those who can. This is the worst experience I have had with any company.
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