Does Juniper Bank offer instant online approval? Also, I'd be pleased to read some "fresh" reviews of Juniper. They seem to have a decent balance transfer and cash advance offer now -- 0% for five months.
0.00% NO FEE BALANCE TRANSFER IF YOU DO IT AT THE SAME TIME AS THE APPLICATION... NEVER HEARD OF A "CASH ADVANCE RATE" OF 0.00%... I was denied with no BK no lates, no over limit, no collections, $70,000+ income, REASON FOR DENIAL...EXCESSIVE CREDIT LINES. BUT...other people have gotten the card. Says 10 second answer.
I was denied as well with no negative credit. The representative told me that it was because of excessive credit lines as well. She also said that the cut off credit score for their approval process is 700, but excessive credit lines, even with a high score, can cause you to be declined.
Is this card all that? The After teaser rate seems rather high? What is it 14.99%? someone with a 700 score could get 9.9%
George: Thanks for the response. I should have been a little more clear. Juniper's application page has the Schumer's Box that says 0% for five months on convenience checks. If that's the case, I might be able to get an interest-free loan to pay my taxes -- so long as I pay it back in five months. This would be better than using my tax fund to pay my taxes because I wouldn't lose any interest and wouldn't pay any as long as I paid Juniper back in five months. My credit score (Qspace) is 728. I owe only $600 on a total revolving line of $11,600. Trouble is, I don't ant to use those lines because I can't get free interest.
Is 700 points the new minimum score required for the juniper card now?It used to be 680 points am i right?If so this creditor has begun to tighten it's credit standards.
