Barclays Bank - Juniper Credit Card Complaint - Barclays bank being referred by Apple Computer is not what it seems (is it a scam?)
Apple.com refers you to the Barclays credit account as an 'easy and convenient way' to finance a purchase at the Apple Store (online or actual store) with a 12 month no interest option for purchases over $899 and 6 months for purchases over (I think) $299. I like to get no interest financing; I pay them off on time, every time. My credit rating literally could not be any better.
I applied for the card, selected an application range for the amount of the laptop I was buying, and clicked apply. All indications to me along the application process were that there was no problem with getting this amount financed.
I was approved, but for only half the amount. The apple store people had no idea how to contact the bank, and when we finally found contact info, there was no representative available to talk to me about a credit increase. Not only that, but I was told that if I didn't use the approval barcode at the store right away, I would have to wait until I got the card in the mail in 2 to 3 days (its been 4 and still nothing has come).
I was pushed to put 1/2 of my purchase on any other credit card, and it seemed that the sales people were very familiar with this line. I left the store instead without buying anything.
So far, I have gotten downright rude replies to my email inquiries as to why someone with my super-prime credit rating and proven income cannot get enough of a credit line to buy a laptop; I just spoke with a snippy 'customer service rep.' who refused to do anything, not even escalate this to their manager. Nothing, except, get this, that I should "write a letter stating my complaint and send it by postal mail". I am awed by how dumb they think people are!
So where I stand now:
- I took a hit on a credit inquiry, which doesn't help your credit score.
- I didn't get the financial product I was actively led to believe I was.
- I hit a brick wall when I started asking questions, and at every turn its not possible to get any resolution. Seems deliberately set up this way.
- I am not going to use this account, its useless, because I no longer trust them. I wasted a credit inquiry hit, all for nothing. Very expensive mistake!
In my opinion, this is very carefully crafted fraud. I have read other places to urge people to be very weary of Barclays, and now I can endorse that warning as well.