- Report: #473936
Complaint Review: Juniper Visa - Philadelphia Pennsylvania
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Juniper Visa
P.O.Box 13337 Philadelphia, 19101 Pennsylvania, U.S.A.
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Juniper Visa Ripoff does not describe this company Philadelphia Pennsylvania
Obviously Juniper Visa aka Barclay Bank has a very unhappy following based on the amount of disgruntled customer on the net. My problem stem from the over limit charge assessed every month after being lied to every month by their contracted overseas Indian customer reps. I've been tagged $39.00 in June, July and August after have phone conversations each of those month about this charge. Each month I've been instructed to send more than $50.00 above my minimum payment to clear this charge the next month but once the statement arrives the charge the charge has been assessed. On my statement the fee is assessed on the 9th of the month, the payment due date isn't until the 14Th of the month and the posting date isn't until the 20th. I asked the supervisor that I spoke with last was his phone center employees trained to lie to Barclay's customers so Barclay could bilk them out of more money and he had no comment except that he would speak with the customer service rep. that misled me last month...bulls__t. I have several other credit cards and have never experienced such blatant disregard for customers. Last I ask for a phone # to Barclay and they offered a fax #. This card has now been cut into little pieces and is being forward to Barclay with this months payment.
Ken k.
Knoxville, Tennessee
U.S.A.
Ken k.
Knoxville, Tennessee
U.S.A.
3 Updates & Rebuttals
Robert
Irvine,California,
U.S.A.
Ripoff?
#2Consumer Comment
Tue, July 28, 2009
Okay they did not force you to use up to your limit, that was your doing(and no it does not matter what the reason was). In order to get out of this you need to get well under your limit, obviously. The next payment you need to send in AT LEAST the amount you are over the limit, plus any fees(such as the OTL Fee) that could be assessed the next month, plus your estimated interest(you can get the amount from your previous statement). Then it is good to send as much as you can above that amount to be sure you are below the limit. This should fix it, if not at the first payment by the second month. Then if you have not already done so, DO NOT use the card again until you are at least 50% below your credit limit. You said you were not going to use this card again, but this really goes for any credit card. In fact, you probably should not use any credit until your balances are paid off. Especially if you have other cards close to their limits. By the way if your closing date is the 20th but they don't assess the OD Fees until the 9th of the next month it appears as if they are giving you an extra couple of weeks to try and get it back under the limit.
Nikki
Coconut Creek,Florida,
U.S.A.
Here's what you do.
#3Consumer Suggestion
Tue, July 28, 2009
Forget the $50 over minimum payment. You need to pay the amount you are overlimit, plus a few bucks more than the interest you were charged last month, plus $39 in case you are slapped with another overlimit fee. Plus add at least another $10-$20 leeway. Then, make sure all those amounts added together equals at least your minimum payment. Then, don't use your card the entire next month, but still make the minimum payment. That should stop those overlimit fees. Since I have never gone overlimit on my Juniper, I'm not sure how they work. Some card companies do this. If you were overlimit at ANY TIME the previous month, you will get an overlimit fee on your next statement. So, if your statement drops on the 9th and you are charged an overlimit fee, and you are still overlimit, you will still be overlimit on the 10th. Therefore, you can expect an overlimit fee the next month because you were overlimit on the 10th.
Nikki
Coconut Creek,Florida,
U.S.A.
Here's what you do.
#4Consumer Suggestion
Tue, July 28, 2009
Forget the $50 over minimum payment. You need to pay the amount you are overlimit, plus a few bucks more than the interest you were charged last month, plus $39 in case you are slapped with another overlimit fee. Plus add at least another $10-$20 leeway. Then, make sure all those amounts added together equals at least your minimum payment. Then, don't use your card the entire next month, but still make the minimum payment. That should stop those overlimit fees. Since I have never gone overlimit on my Juniper, I'm not sure how they work. Some card companies do this. If you were overlimit at ANY TIME the previous month, you will get an overlimit fee on your next statement. So, if your statement drops on the 9th and you are charged an overlimit fee, and you are still overlimit, you will still be overlimit on the 10th. Therefore, you can expect an overlimit fee the next month because you were overlimit on the 10th.
