Juniper Credit Card Review - Is it really worth it!
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Over the last few months we have been getting many emails asking for a Juniper credit Card review. So we have decided to oblige our readers and make a truly honest review of the credit card offering. First we documented all the major complaints that are about the Juniper credit card:
- Payments are credited to the account late
- Call center in the Philippines
- Over the limit charge charged twice in the same billing cycle
- Credit limit dropped without notification
These are actually the most common complaints about the Juniper credit card. However Juniper Bank is attempting to deal with these problems. But there are some problems that have been caused by the card holder. Errors such as sending in your check payment late should be avoided. In an effort to help current card holders and potential car holders we have listed the terms and conditions of the Juniper Credit Card -
Juniper Credit Card Terms and Conditions
Annual Percentage Rate (APR) for Purchases
14.99% variable, 18.99% variable, or 22.99% variable, depending on our review of your application and credit history.
Other APRs
Balance Transfers and Convenience Checks APR: 0% fixed Cash Advance APR: 23.49% variable. Default APR: Up to 31.49% variable.†
Variable Rate Information
Your APR may vary. The rate is determined monthly by adding the Prime Rate and 6.74%, 10.74%, or 14.74% for Purchases and this rate will not be lower than 14.99%, 18.99%, and 22.99% respectively. 6.74%, 10.74%, or 14.74% for Balance Transfers and Convenience Checks after the introductory period and this rate will not be lower than 14.99%, 18.99%, and 22.99% respectively. 15.99% for Cash Advances, and this rate will not be lower than 19.99%. Up to 23.99% for Default.
Grace Period
At least 20-days Grace Period for Purchases from the Statement Closing Date on your periodic statement (provided you pay your previous balance in full by the due date). The Grace Period does not apply to Cash Advances, Balance Transfers or Convenience Checks.
Annual Fee
$0.00
Minimum Finance Charge
$1.00 / For Residents of
Method of Computing the Balance for Purchases
Average Daily Balance (including new purchases)
Transaction Charges
Balance Transfer and Convenience Check Charge: During the first six billing cycles: 3% of the amount of each transfer or check, $5 minimum, $50 maximum. After the first six billing cycles: 3% of the amount of each transfer or check with a minimum fee of $5. Cash Advance Charge: 3% of the amount advanced, $10 minimum, no maximum. Late Payment Charge: $25 for balances < $100; $29 for balances $100-$999.99; $39 for balances >= $1,000; for Residents of Iowa $15. However, if the Default APR is in effect on a monthly statement, we may charge a late payment charge of $39. Over Your Credit Line Charge: $0 for Visa Signature. For the Visa Platinum, $25 for balances <= $1,000; $39 for balances > $1,000; for Residents of Iowa $15. However, if the Default APR is in effect on a monthly statement, we may charge an over your credit line charge of $39. Returned Payment Charge: $29 ; for Residents of
Returned Convenience Check Charge: $29; for Residents of Iowa 5% of the amount of the check, $20 minimum, $50 maximum. Purchase of money orders, travelers checks, foreign currency, lottery tickets, gambling chips, or wire transfers: 3% of the amount of the purchase, $10 minimum, no maximum. Foreign Country Transactions: 3% of the U.S. Dollar amount.
If this card offering is not to your liking then you can utilize these credit card offers: