If you are a Juniper cardholder, then you should be very careful about the safekeeping of the card. This is because, there are high chances of credit cards being stolen and once they are stolen you can face severe problems. The thief who has stolen your credit card might withdraw all your balance that is in your account. So if your Juniper credit card is stolen, then you should immediately report at the customer service center at 1-877-523-0478.

The customer service center of Juniper is always there to help you out. However, you need to tell them every intimate detail that they are going to ask. You should inform them about the suspected location where you might have lost the card. You also need to mention the exact date and time of loss of your Juniper credit card. The customer service center will ask you about your recent activity information. They will also require the police report information if your card is stolen.

On producing the report of your stolen Juniper credit card, your account will be blocked immediately so that the person who now has the possession of the card can make no unauthorized charges. If there is another authorized user on the account and only one card is lost, then both cards will be replaced.

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There are a number of terms and conditions of the Juniper Credit Card. They are the following:

The annual percentage rate or APR is variable and ranges from 11.99% - 13.99% - 18.99%. The cash advance APR is 20.74%. The default APR is 25.99%. 20 days of grace period is allowed from the day of purchase. However, the Grace Period is not applicable to Cash Advances, Balance Transfers or Convenience Checks. The annual Fee is $0.

Convenience Check Charge is applicable for the Juniper sea miles credit card. 3% of the amount of the transfer or check is charged for the first six billing cycles. This may be $5 (minimum) or $50 (maximum).

In case of any late payment, your APR on all balances will be amplified to the non-introductory purchase APR. It will also be applicable to the prevailing default rate. Juniper will keep a close eye on balance transactions henceforth.

Juniper Bank will assign your reimbursement to inferior APR balances before higher APR balances. The above idea means that, all your savings would be lesser if you engage in higher APR transactions. The time required for a balance transfer is approximately 3 weeks. If you omit any of the information that is present in the application form, then your application is liable to be canceled.

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The Juniper Application form consists of several questions. The Juniper application form is accompanied by an amount of scholarship money. It should be posted to Juniper Institute, c/o University Conference Services, 918 Campus Center, 1 Campus Center Way, Amherst MA 01003. You have to fill up your name, address and phone number in the respective sections. Nowadays, email identities are also required. Then you require submitting your credit card information, like the name of the card, type of the card and the expiry date. There should be a cardholder’s signature.

In the genre section, workshops would be offered either in poetry, fiction or memoir. The sample writing should include poetry, memoir or a fiction of 6-8 pages in case of poem or 8-12 pages of fiction. In this section you have to mention your choices or preferences. You may apply for the online scholarship applications. The space in application is forfeited if the payment is not received within two weeks after application. Payment can be made via check, VISA, Mastercard or Discover. In the application, you have to mention the place from where you herd the name of the Juniper Credit Card. The options given are print, web, mail, mouth or other.

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There are different types of credit cards that are offered by Juniper. They are the following:

Casey’s Platinum Master Card: Casey’s Platinum Master Card is a type of Juniper Credit Card. The introduction period of the Casey’s Platinum Master Card is 6 months. The APR is 15.24%. There is no annual fee for this credit card.

Clark Platinum Master Card: The Clark Platinum Master Card is a type of Juniper Credit Card. Its introduction period is 6 month and the APR rate is 16.24%. There is no interest rate for this credit card.

Frontier Airlines Master Card: Frontier Airlines Master Card is a much acclaimed type of Juniper Credit card. The period of introduction is 6 months and the APR is 17.74%. There is no interest rate.

Guff Platinum Master Card: Guff Platinum Master Card is a type of Juniper Credit Card. The time of introduction of this card is approximately 6 months. The APR is 15.74%. There is no fee required for this credit card.

LUKOL Platinum Master Card: LUKOL Platinum Master Card has validity of 6 months. The APR here is approximately 16.49%. the annual fee is $0. It is a widely used credit card.

Midwest Airlines Master Card: The validity of this card is 6 months and the APR IS 17.24%. The annual fee is $69.

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Juniper Credit Card is one of the commonly used credit cards, but it has certain drawbacks. The basic downsides of a Juniper Credit Card are the high APR or the Annual Percentage Rate which makes it difficult for common man to pay. This APR remains more or less same for every variety of the Juniper Credit Card. People using them are required to pay this high quantity of Annual Percentage Rate. The user who generally depends on the Juniper Credit Card is required to pay a certain amount of money to the company. In case of default, his card is liable to be cancelled. The user is needed to pay the late fees and also the other associated fees incase of any late payments.

Another downside of the Juniper Credit Card is the less time that is given to the user in order to clear all the dues. This time period basically ranges from 3 months to 6 months for the different kinds of credit cards. If a person, by default, cannot pay the amount of money charged as interest, the he or she may be required to surrender the properties that has been mortgaged in exchange of the Juniper Credit card. This is an extreme case, however. Before this actually happens, one has to go through a number of legal procedures. The court generally solves any problem that arises between the card holder and the company.

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If you are planning to get married recently and you have doubts about creditworthiness then the question that must be haunting you is whether your credit score gets affected after your marriage. This write up attempts to provide you information in this regard but at first you should know what exactly a credit score is and how your credit score is calculated.

Credit score is basically an important number that summarizes your creditworthiness. It indicates your position as a debtor and your reliability towards your creditors. Credit score is obtained on the basis of information available in your credit report. Fair Isaac Company is the premiere company that created the FICO score and is used to calculate your credit scores. In your financial resume, the credit report and the credit score are utmost essential. This is because credit scores are the reflections of your character.

If you are a married couple, you can maintain your own separate credit reports and scores. You can go for making joint accounts but that account information will be included in the credit reports of both people. If you make late payments in a joint account, the scores of both the spouses have a negative effect. If you have got recently married be careful about making your payments on time, because it can have negative effect on the scores of your credit and your spouse’s as well.

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A FICO score is an important calculation that may determine whether you are eligible to receive credit. A FICO, or a credit score, is a numerical score which is based on the financial history of an individual as collected in his/her credit report. If you fail to understand the effect of this score on your future lifestyle and purchasing power, it may be highly disastrous. Creditors may use the FICO score to assess whether or not you will be able to pay the loan back within time. The higher the FICO score, the more liable you are to pay back your loan on time.

Credit scores evaluate the credit history of borrower considering several factors such as late payments, the amount of credit available vs. the amount of credit used, and negative credit information such as collections, charge-offs, bankruptcies, etc. Your FICO score is divided into five general categories such as payment history, amounts owed, length of credit history, new credit and types of credit used. Your payment history comprises information on retail accounts, credit cards, finance company accounts, installation loans and mortgages you may have had. You will also find information on bankruptcy as well as other useful information about your credit history.

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