Juniper Bank Informative - Deceptive Finance Charges With Their 6 Months Same As Cash Promotion
TOLEDO, OHIO -- If anyone is interested in buying a Macintosh computer do not go through Juniper Visa Card to do so. They work in conjunction with Apple to help you get your computer. The catch is that the computer needs to be paid off in 6 months or less for the same as cash promotion. Which is all good and dandy until you get your seventh month statement in the mail telling you that you have unpaid finance charges because you technically did not pay the card off in six months as you thought you did. I paid my card off on the DUE DATE listed on the statement. I ended up being 12 days over my 6 month.
I even received a letter in the mail telling me that my balance was 0.00 dollars. Then I get my electronic bill telling me I owe $175.63 in finance charges for the 12 days that I went over my 6 months. I called and talked to a customer service representative and was basically treated poorly. I then asked to speak to a manager or supervisor and was told that they could not do anything for me. I tried to reason with them, but they basically told me To Bad, So Sad. I even begged for them to reduce the finance charge and they would not. I ended up hanging up on them I was so upset.
I figured out that instead of sending you a statement from the date of purchase/opening of card, which would be the most logical thing, Juniper sends you a statement around the middle of the month, making your due date around the middle of the next month as well. So you make your payment on time thinking you will not have any finance charges. Then BAM, they get you because your no money same as cash promotion end 6 months from the date of purchase.
So a word to the wise, don’t use Juniper Visa when buying a Macintosh Computer. I have no complaint about Apple. I love their computers and would buy more than one if I could. But you can bet I’ll be paying in one lump sum and not using a credit card so that they can get money they did not earn from me.