- Report: #302483
Complaint Review: Juniper Credit Card - Philadelphia Pennsylvania
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Author Confirmed
Why?
Juniper Credit Card
P.O. Box 13334 Philadelphia, 19101 Pennsylvania, U.S.A.
Phone:
888-232-0780
Web:
N/A
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Business Rating:
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Juniper Credit Card Ripped off twice! Philadelphia Pennsylvania
I am sending this report to warn anyone from applying or using Juniper Credit Cards. I just got this, used one of their "convenience" checks, they charged me $100.00 for that. Then my payment was due Jan. 6th, I sent the payment on the 30th of Dec. Lo and behold they posted it on Jan. 7th, charged me $39.00 late fee, and are going to raise my rate from 8.99 percent to 32%. The payment I sent in was 3 times what was due.
When I called up the customer service rep, she told me there was nothing they could do, when I asked for a supervisor, after being on hold for several minutes, there was not one available. Since this was the first time dealing with them, even having excellent credit, they would not help what so ever! Beware! I will be paying this off immediately and read the fine print a little better. Also, check with the BBB first before getting any type of credit card. Some of these credit card companies are notorious for holding payments until after the due day. Funny that it should take 8 days for the mail to get from Washington state to PA, I just sent two letters the same day to a friend in Florida and another friend in New York. They received them on the 3rd of Jan. Is Philadelphia using horses still to deliver mail, or is Juniper just trying to pull another "Rip Off" like so many other Credit card companies have in the past. If anyone else has had this problem, I would love to hear from you. This has been reported to the BBB in PA.
Carol
Renton, Washington
U.S.A.
When I called up the customer service rep, she told me there was nothing they could do, when I asked for a supervisor, after being on hold for several minutes, there was not one available. Since this was the first time dealing with them, even having excellent credit, they would not help what so ever! Beware! I will be paying this off immediately and read the fine print a little better. Also, check with the BBB first before getting any type of credit card. Some of these credit card companies are notorious for holding payments until after the due day. Funny that it should take 8 days for the mail to get from Washington state to PA, I just sent two letters the same day to a friend in Florida and another friend in New York. They received them on the 3rd of Jan. Is Philadelphia using horses still to deliver mail, or is Juniper just trying to pull another "Rip Off" like so many other Credit card companies have in the past. If anyone else has had this problem, I would love to hear from you. This has been reported to the BBB in PA.
Carol
Renton, Washington
U.S.A.
2 Updates & Rebuttals
Melissa
Latrobe,Pennsylvania,
U.S.A.
Does this company offer online bill pay?
#2Consumer Suggestion
Sat, February 09, 2008
That may be the best option, if they do.
Neveragain
Colorado Springs,Colorado,
U.S.A.
It is not the credit card company's fault
#3Consumer Comment
Sat, February 09, 2008
Bank's are required by law to process payments within 24 hours of receipt. They cannot "hold" them just so they can charge a late fee. I would be more concerned about the mail service. I received mail on January 2nd that was post-marked from Sep and Oct from within the same city. Almost all credit card companies have websites that offer secure online payment processing that can be processed the day of or day before the due date and you will never get a late fee. Also, Juniper would not raise the credit limit from 8.- to 32.- for one late payment. It goes up in increments depending on how many times you have been late, if and how long you are over your credit limit, and your overall credit report. If your account is never late, the interest rate will not go up. I suggest that consumers become "credit card" savy before ever opening a revolving credit line. Above all, read the fine print! If your payment is one day late you WILL get a late fee. If you are over your limit by $0.01, you WILL get an overlimit fee. If you do either then your interest rate will go up. Cash transactions carry a higher interest rate, balance transfers have a fee (a % of the amount, some have a set fee), and if you "default" (late payment and going over limit are both defaults) then you lose any "special" interest rate. All of these are standard practices and are legal. Before you sign a credit card agreement, read it and know what you are getting into. Above all, never sign an agreement in exchange for a "special deal" (a free vacation, a free airline flight, a t-shirt, a teddy bear); and never put your social security number on a piece of paper until you have read absolutely every word on the piece of paper and you know exactly what you are signing up for.
