Juniper Bank Complaint - Don't do business with Juniper Bank (Barclays)
I have perfect credit with a credit score of 745, no lates at all. I have 4 paid as agreed mortgages. I have had this Juniper card since 2007 with a credit line of $4500. I have several other credit cards with minimal balances outstanding except for 2. I recently (November 2010 and Dec 2010)paid my property taxes using my US Bank VISA accounts to take advantage of their 0% interest for 12 months instead of using my own cash (which I have). That brought my 2 US Bank VISA accounts close to the maximum credit line. I have 5 other Mastercard and Visa accounts with close toa zero balance. I use the Juniper Bank account to pay recurring monthly expenses such as Home Security, Netflix, Home Warranty, etc. I let the balance get up to close to $3000. Last month I applied $1200 to my Juniper Bank account to reduce the balance. I planned on paying more with my tax refund on all accounts. I received a call from Juniper a few days after the $1200 posted telling me that I'm too close to my credit limit on OTHER accounts so they reduced my line of credit to $2500. This was an insult! That left me with a few hundred dollars on my credit line which wouldn't have covered my recurring monthly bills linked to that account. I immediately moved all 8 of those recurring accounts to a different credit card. I have not, and will not use Juniper bank credit card again. I'm will pay that account off at the end of this month BUT I won't close it because closing it will hurt my credit score. Their representative treated me like a 3 year old child, repremanding me for using 2 of my cards too much! You can't rely on this company to be there when you need them. AVOID THEM LIKE THE PLAGUE!