Juniper Bank Complaint - changing credit limit
WILMINGTON, DELAWARE -- In January of this year I was solicited by mail to apply for a credit card from Juniper Bank.
After reviewing the offer and filling out the application on line, I received a credit card with a $3000.00 limit.
In February, I purchased tickets to a show for my family through Ticketmaster. On a business trip, I had to stay an extra day and purchased some toiletries and a shirt at the local Wal-Mart and got a $60.00 cash advance to have some pocket money for the next day.
All of this totaled 294.85 (203.00 of which was the Ticketmaster charge). Less than 10% of the assigned credit line!
I then received a letter and e-mail describing these purchases as “risk associated behavior” and “risky transactions”. I was informed that my credit limit was immediately reduced to $420.00 and that Juniper Bank would “proceed cautiously” with my account.
What is the definition of a “risky transaction”? And where can I find that in my agreement.
When you issued me the credit card did you not expect me to use it?
I am offended by the insinuations that I made "risky transactions". This is frustrating and personally embarrassing.
Does Wal-Mart and Ticketmaster know that they are on a “risky transactions” watch-list?
I got this card because my wife and I are planning a 30th anniversary cruise in May. You typically register a credit card with the cruise company to charge purchases while at sea.
I assume, that 2 pina coladas and a tee shirt from the ship’s gift shop would have also reduced my limit and in affect ruined our anniversary cruise.
I am sharing this with letter with the Dow Chemical Employees Consumer Forum to prevent a fellow employee from being labeled “risky”.
To all others BEWARE!