Got 6.9 fixed apr Juniper

Discussion in 'Credit Talk' started by mark777, Oct 3, 2003.

  1. mark777

    mark777 Well-Known Member

    I have not heard many good things about this bank but could not resist this rate. Offer came in mail. Approved for 15000 and they checked TU.

    mark
     
  2. GEORGE

    GEORGE Well-Known Member

    CONGRATULATIONS...I was denied 3 times...

    THEY DON'T WANT MY BUSINESS...THEIR LOSS
     
  3. jrjr37

    jrjr37 Well-Known Member

    You're not missing much GEORGE.
     
  4. willgator

    willgator Well-Known Member

    until they jack that tooo19.99 enjoy...... they suck azz
     
  5. mark777

    mark777 Well-Known Member

    Now feeling kind of sorry they gave me the stinkin card.

    mark
     
  6. dsl

    dsl Member

    Is that 6.9 for just 30 days and after that 11.99?

    DSL
     
  7. mark777

    mark777 Well-Known Member

    Fixed -or according to others, until they feel like jacking it.
     
  8. Hedwig

    Hedwig Well-Known Member

    Congratulations on getting the card. Just have another one handy, and if they jack your rates later, you know what to do.
     
  9. Mark LA

    Mark LA Well-Known Member

    Re: Re: Got 6.9 fixed apr Juniper

    Mark
    Exactly
    (what hedwig said :)
     
  10. dsl

    dsl Member

    Re: Re: Got 6.9 fixed apr Juniper

    Juniper Plat Visa and MC at www.juniper.com

    Annual APR 11.99 Variable*

    Other APR:
    Balance Transfer Requested and Convenience Checks posted during 1st billing cycle: 6.99 Fixed

    Balance Transfer Requested and Convenience Checks posted after 1st billing cycle: 11.99 VARIABLE

    Variable Rate Information:
    7.99% for Purchases, and this rate will not be lower than 11.99%
    7.99% for Balance Transfers and Convenience Checks posted after the 1st billing cycle, and this rate will not be lower than 11.99%


    * Timely payment notice: If payment is received late, your 6.9% fixed APR on first cycle Balance Transfers will be increased to the APR applicable to
    Balance Transfers made after the first billing cycle.


    Am I wrong to think that the 6.9% is only for the 1st billing cycle?
     
  11. Hedwig

    Hedwig Well-Known Member

    Re: Re: Got 6.9 fixed apr Juniper

    I think that any BTs or convenience checks that POST in the first billing period have a 6.9% APR, I would assume for as long as that balance lasts (unless you pay late).

    But call and ask if that's what it means.
     
  12. dogman

    dogman Well-Known Member

    Re: Re: Got 6.9 fixed apr Juniper

    dsl - I read it that way as well. It looks like whatever you roll or balance transfer will be at 6.99% - then after 30 days the rate is 11 -

    but it gave Mark777 a nice limit....but that is a duel-edged sword. Get $15K on the card, then jack $15000 to 23% in a few months. Sure makes bank stocks look attractive.

    Mark777 - I think it is a good card - and it could be that Juniper does not report - you could search - BUT - that would be a nice place to stash $15K - knowing that the rate could go up. Not sure but maybe it was Evergreen - I remember the threads - check them out.

    good luck with the card - dogman
     
  13. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Got 6.9 fixed apr Juniper

    I could be wrong...

    "IF" YOU WAIT TOO LONG TO USE THE 6.90%...(like in the second month)...YOU GET THE HIGHER RATE...

    YOU NEED TO DO IT A.S.A.P.
     
  14. mark777

    mark777 Well-Known Member

    Re: Re: Re: Got 6.9 fixed apr Juniper

    Under my terms and conditions I have a FIXED 6.9 with no mention of any increase-unless late payments or my credit history changes to the negative and the usual stuff. In the literature it highlights "FIXED" several times.


    mark
     
  15. dogman

    dogman Well-Known Member

    Re: Re: Re: Got 6.9 fixed apr Juniper

    sounds good mark - you obviously got an offer that the web public could not get.

    kewl - thats a great rate :) especially at $15K if you ever needed it.

    aarrff - dogman
     
  16. mark777

    mark777 Well-Known Member

    Re: Re: Re: Got 6.9 fixed apr Juniper

    Thanks Dog, I guess a 788 fico on TU didn't hurt.


    mark
     
  17. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Re: Got 6.9 fixed apr Juniper

    FIXED until they NOTIFY YOU DIFFERENTLY!!!
     
  18. jrjr37

    jrjr37 Well-Known Member

    Re: Re: Re: Re: Re: Got 6.9 fixed apr Juniper


    That's my point. Is there really any such thing as a "fixed" rate card?
     
  19. Ron

    Ron Well-Known Member

    Re: Re: Re: Re: Re: Got 6.9 fixed apr Juniper

    Juniper Bank like BankOne closed my accounts because too many bankcards. By the way,they're the one giving me $500 TOY CARD.



    Ron.
     
  20. willgator

    willgator Well-Known Member

    Re: Re: Re: Re: Re: Re: Got 6.9 fixed apr Juniper

    close as I've seen amex blue....usage goes up 6.9
    usage goes down 6.9 no matter what has happened 6.9 apr
     

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