If you like a credit card company that provides terrible customer service, where the only people that will talk to you are in the Philippines, go to Juniper and the US Airways Mastercard. They read from a script and do not have answers to any questions. I particularly liked sitting around for hours waiting for a promised call from a supervisor. The so-called supervisor in the Philippines called two days later and told me that if I wanted the issue escalated, I needed to send in a letter by mail to Juniper Bank. Thanks for all you do in exchange for $100 in annual fees and the money you made off $30k of charges this year. Appreciate it.

Juniper initially issued me a $5, 000 line of credit. After paying the balance each month for a year or so, they increased my credit limit to $11, 000.00 without me even asking them to do so. I kept paying the card, but I started carrying a balance. I was at about $5, 500.00 when my credit card was stolen. I reported it, and was told it would be canceled immediately and I would be issued a new card. A few days later, a card arrived with the same account number as the one that had been stolen. I immediately called them, and they said they had made a mistake and that the card had not been canceled. The did have a record of my call to cancel the account, but because they did not do it, another $200.00 was taken. A few days after that, another card arrived, again, with the same number as the old account. I called again, and they told me that there are a couple ways to cancel an account and that somehow, it had not been done. What a professional response!!! The finally issued me a new card with a new account number, and I thought everything had been resolved. All of a sudden, I get an Email telling me that I'm over my credit limit. They had reduced my credit limit to the point that I was over my limit. They said they had sent me a letter that I never received. Their response was "we are not responsible for the U.S. Mail".

3 months after this, I noticed that they had put the $200.00 charge back on my account that had been taken after I had canceled the card. They also raised my interest rate from 8.99% to 14.51%. Today, I received a letter stating that as of November, my interest rate will be 19.99%. I am paying off this card, cutting it up and mailing it to the CEO of Barclay's bank. I've sent a letter to the CEO and copied the FDIC. I advise anyone who is having a problem with these usurers to do the same. The FDIC does not tolerate this crap and the more people who complain, the more likely it is that they'll take some type of action against this unscrupulous outfit.
There is a great card out there if your credit is good. It is the True Rewards Card that is available with no annual fee to Costco members. Go for it!!!

My Juniper Bank credit card account was assessed a finance charge that put me two cents over the limit. Juniper Bank charged me $39 for this two cents. I called to work with them, they refused and let me know they could charge me even if I went one cent over the limit. I closed my account, doubled my payment and attempted to get back on track. They raised my interest rate, assessed finance charges that put me two dollars over the limit and charged me another $39. I attempted to once again work with them, they refused. I doubled my payment and scheduled it online on 7/18/2009 for my due date of 7/31/2009. They started calling me on 7/27/2009 to remind me my payment was due on 7/31. This happened three days in a row, each time I pointed out the pending payment and they promised to remove me from their list to call. (My payment wasn't even due yet and they were starting collection attempts?) On 7/31/2009 my balance showed $1291.64. My payment was received by them on my due date in the amount of $80. This, with the finance charges of $22.77 would have brought me to a balance of $1233.41, which is under my limit of $1250. However, on 7/27, they assessed me another overlimit fee, which put me back over the limit before my bill was even due. They didn't post this charge until 8/4/2009 after my statement printed, so not only didn't they wait until after my payment was due to assess this new fee, they also made sure I wouldn't know about it until after the fact. They had promised me after the second over limit fee that I would not be assessed another overlimit fee as long as I brought my account back under the limit by 7/31, my due date, which I did. This third overlimit fee has put me back over my limit by $23. They are refusing to remove any of the fees. The fees now total $117 for $2.02.

After a ridiculous time fighting (and losing) a battle of a tripled interest rate causing my Juniper card account balance to exceed the available credit and incurring not one, but two months worth of $39 overlimit fees, I can say I've been fed up with their service.

Customer service is horrible. After many attempts to contact their outsourced service by phone and email, they wouldn't even give me a physical address of their US location.

So, I took it upon myself to locate these folks. Here's the information for where us consumers can complain and get results:

Juniper (Barclay US) Bank
100 S. West St.
Wilmington, DE 19801
(302) 255-8000
(302) 888-0356 (fax)

and here are some names of interest:
Anthony Jenkins - Chairman
Joe Purzycki - COO
Kevin Murphy - Director of Customer Support
Tom Karinashak - Director of Customer Care
Joyce Walsh - Senior Director, Solutions Development

juniper claimed that i had canceled a payment (e-bill) the day that this was supposedly done i was in the hospital. they charged me a $39 late fee and i went from 0% to 14% interest rate and know have an additional $100.00 a month added to my bill! do not open a account with them!!!they are liars and thieves!!