There are a number of fees for the Juniper Credit Card. They are the following:

Juniper Credit Card charges an APR fees. This is also called Annual Percentage Rate. APR is charged on the basis of the credit history of the customer. Juniper periodically reviews the credit performance of the customers and charges the APR accordingly.

Juniper Credit Card also charges a transaction charge which include balance transfer and convenience check charge, cash advance charge, late payment charge, over your credit line charge, return check or convenience check charge etc.

Juniper Credit Card charges monthly fees. The user is required to pay a certain amount of money for using the Juniper Credit Card. If there is any late payment, the card is cancelled or late payment is charged in certain cases.

Juniper Credit Card charges a late fee if the payment is not made on the due date. The payments are actually mailed back to the customer’s account in the bank. The customer is given an alert so that he may become aware that payment is to be made but if he ignores that and the due date passes by, then the customer is required to pay this charge.

This is quite an extensively used credit card. But there are several charges for the Juniper credit card, as mentioned in detail above.

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Several months ago, Juniper credit card and U.S. Airways teamed up to create the ultimate in membership encouragement. Anyone who applied for a Juniper card was eligible to win one of 2,000 flights at the price of $0.50. They also advertised rewards that would be a part of the card membership. The interest would stay at 0% for the first six months; there wouldn’t be an annual fee for the first two years; and airline miles were even given on balance transfers (that also had 0% interest). This was all they needed to get the paper flying in.

Unfortunately for Juniper, the work load seemed to be a little more than they could handle. The low interest rates, the quick and rewarding bonuses brought in many applicants that the company soon couldn’t keep track of. Slowly, complaints towards Juniper starting trickling in.

Initially it was regarding the company 1-800 number on credit card statements and that it was incorrect. Then, people started noticing charges and funding that was being posted several days late to account. Also, interest rates were being raised without informing the consumer and miles weren’t being accepted from the rewards bank. Needless to say, Juniper wasn’t able to hold up their side of the bargain.

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 Iowa $0.50

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 Iowa $15

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: