On Monday, I called Juniper and did a telephone application for a credit card. Today, Friday, I called to see what happened. They told me that my credit file is "pending" and that if I would like to call back in 5 to 7 days. I make $72,000 ayear. Been on the job 10 years. Rented the same residence for 3 years. I have 7 open accounts all being paid on time. But I had a B.K. 3 years ago. Is "pending" another way of saying credit denied? Anybody have any ideas. I know GEORGE had trouble with Juniper. Because of GEORGE's comments, I applied for the 5 month 2.9% teaser instead of the 0.0% teaser. By the way, the customer service at Juniper is great. Thanks everyone.