Chip
Anytown,#2Consumer Comment
Fri, January 12, 2007
I got an offer in the mail, the interest rate seemed decent, and I was wanting to transfer a balance. I took their offer, applied online, and got approved. I do recall, when applying online, a question that seemed rather odd, which was "Do you plan on using this card for cash advances?" I replied "no" because I NEVER take out cash advances on a credit card. At any rate, from what I've read, they seem to not like it when customers take one out...yours is not an isolated incident. I agree though, if you're issued a credit card, you should be allowed to use it for any permissable purpose, including cash advances (I'm assuming they issued you a PIN), and should only be penalized if you default on your agreement...certainly not BEFORE.
Ruth
Bedford,#3Consumer Suggestion
Thu, January 11, 2007
You did not do anything wrong. What Juniper is doing is fraudulant, and you do not have to take it. Try writing the Comptroller of the Currency and let them know in your letter what you've said in your complaint. They cannot lower your limit, change your interest rate, and charge more fees just because they "did not like it that you took an advance so soon". It was in the agreement that you were allowed, and you were well below your limit, still. I've written to the Comptrollor of the Currency before, and I have won my cases. All this bank wants to do is get rich off of people like us. Did you know they charge a minimum of a $10 fee even if you just withdraw $20 from an ATM? I would not allow them to do this to you. I do not know the address off hand, but I know if you do as search on-line, you will be able to find their address.