I signed an agreement with Barclays Bank for a Juniper credit card with a specific credit limit. I had it for 6 months, and intended only to use it when I needed it.
So, when I needed it, I used it, but I did not max out the card. I only used 1/3 of the limit.
So Juniper/Barclays decides to "lower" my credit limit to less than the balance I had just used. So basically, I am now $45 over the new limit! And oddly, my Dec statement still shows my original credit limit (not the new lowered limit). But they emailed me to inform me
that I am "over" my limit!
I called them and explained that when I signed with them, my limit wasa specific amount; I am a customer in good standing; I have not abused the credit card; but they chose to lower the limit to less than I had charged! I said I wanted my original credit limit put back on the card!
I also let them know that if they dare charge me an "over-the-limit" fee that I won't be paying anything on the card, and they can just deal with my attorney.
But they said they reserve the right to lower the limit. On a customer who has not abused the card? Yes, because I didn't "use" the card! How absurd is that!
So apparently, it seems to me (IMO) that Juniper/Barclays would prefer customers who "abuse" the card, max it out, and then don't pay, so Barclays can spend hundreds of dollars trying to get the balance of the card, opposed to a customer who does "not" abuse the card and only
uses it when necessary, and pays on time! I guess I should have "abused" the card! That seems (IMO) to be the only type of customer they prefer!
So IMO, and from my experience, I recommend you do NOT get a Juniper / Barclays card. Sure, all credit cards are a rip, but it's worse when they "punish" a good customer for "being" a good customer. And I just want to warn the public. There are enough legit and professional
companies out there without using ones who rip you off!
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