Gang, I am tempted to apply for Juniper card. I have the following scores TU 766, Eqx 747, EX 693. What are my chances of getting this difficult card?
Thanks breeze. Wow, If they check Equifax only and I can't get it with a 747 score with no derogs and an income of $96K, what else can one do to get this card? Give them my only good kidney?
I just applied yesterday. I have a 746, 732, and 694. I'll let you know what my denial letter says. Personally, I don't think they approve anybody. Anybody have this card and how did your report look? Dani
Dani, I applied for Juniper Mastercard and I got denied. I got a letter lastweek and they told me I don't have long history im my oldest account. I called them they told me I need to have at least 54 months in order to qualify. My brother got pre-approval from the mail and he got approved for $6000. He doesn't have 54 months of account history. It ooked like if you don't have pre-select or pre-approval from them, you probably got declined. Ron.
Probably no more than what I was expecting. I haven't heard yet nor will I call to find out (I always seem to get bad news when I do that). I'll just wait for whatever reason they're going to assign me. Dani
Dani, Just applied and I was told my application is pending. I guess there is no one available to type up the rejection letter right now. Anyway, I will keep you folks posted as soon as I hear from these clowns. Oh well, I tried.
Ooh, we can get our denials at the same time. It sounds like you applied via phone, I did too and got the same speel. Maybe with it being the holidays and the season of giving Juniper will feel generous and overlook our pathetic scores. Have a wonderful holiday. I'm crossing my fingers for us. Dani
I have Juniper and I like them the best...better than Citi. I was denied at first but I called and challenged the denial and they agreed with me that I should have gotten it. At the time they had a glitch in their system which showed open accounts as closed. They told me they require 5 open accounts in good standing to show history to approve. They gave me 17,500 CL. I had two accounts with 30day lates on my report at the time. My 0% BT just ended and they gave me 9.90% goto rate instead of the advertised 15.4% goto although I had to call to get the 9.9% on the exact day that the promo ran out. Also, they had put inquiries on some of my reports as a result of my doing BT's. When I wrote them about it...that they should have been soft rather than hard, they agreed with me and promised to remove the hard inquiries. So, for me, Juniper has been a good experience. They have a great web site, notification alerts and you can even "chat" via internet with their customer service reps.
I got a Juniper Mastercard in May of this year--Credit report pulled--Equifax--score 747. My credit ratios were/are at 6-8%. Income--175,000.00 Credit limit-25,000.00
I agree with Mist--excellent company--by the way--instant decision--I am sure they have a certain fico cutoff-Good Luck!!
I will definetely call and talk to somebody if I get denied. I have heard wonderful things about them. I better start getting my speech ready.
Personally, I'm scared I'm going to be denied. Even though my Equifax score is in the 740s I'm afraid my current credit usage (avg. 48%) and new mortgage payment are going to be the denial reasons. As Amex LOC said "excessive obligations to income". Oh, well I tried. Thanks for your input. Dani
I was approved for a Juniper card with a CL of 14,000 They pulled Equifax and my score was 746. I am still in the 4 months 0%interest peroid. Phyllis
