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Juniper Bank Complaint - Don't do business with Juniper Bank (Barclays) - Mastercard

Mastercard - Complaint
Review by desertbear on 2011-01-24
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!
Comments:
Posted by ript on 2011-01-24:
A bank is an institution that will extend you credit if you can prove that you don't need it.
Posted by Obsfucation on 2011-01-24:
745 is not perfect credit, just good. You have seven unsecured lines of credit. No offense, but I wouldn't extend you credit either. Think of it this way: if you maxxed out all seven cards, then lost your job, could you pay them back? That's the question they have when they look at your overall credit picture.
Posted by joeyvv on 2011-01-24:
File bankruptcy on the jerks. Then they get next to nothing and you can get a clean start.
Posted by Olivander on 2011-01-24:
joeyvv

Are you nuts? Bankruptcies stay on your credit history for 10 years. Talk about cutting off your nose to spite your face.

Duh.
Posted by DebtorBasher on 2011-01-24:
I agree Olivander. If it's possible, the best thing to do if you want to cut ties with them...would be to transfer your balance to another card...of course you have to read the small print, the fees etc...but if it's transfered, they will not have your balance to make money on the fees because it will be paid and closed. Bankruptcy is a last resource...not for people able and willing to pay as this person is obviously able to do...I wouldn't recommend BKO for this kind of reason.

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