I was sent a Juniper credit card offer in the mail with an interest rate of 8.9% in Feb. 2008. In June, they lowered my credit limit with out notifying me. When I used my card to make a purchase, they did not decline the charge allowing me to become over the credit limit. This way, they could attach extra fees onto my acount making the account even more over my credit limit. They also could then increase my interest rate to 27.9%.
I was also told by a smart ass customer service rep. (from Juniper) that the credit card companies that headquarter in Deleware and South Dakota are allowed much more power than other states. That is why alot of them move to those states. I did not know this before all of this.
I believe in all the cases I have read though, they are guilty of unethical and illegal banking. They are a true prediter.
This is an example of credit card companies taking advantage of the curent Bankruptcy laws being in their favor! As for me, I am seeing a lawyer on Tuesday. Wish me luck!

I transferred high rate CC due to low never rising interest rate, was not an introductory offer. Not only did they raise my rate after paying more than my limit, which they never disclosed, (they paid the other cards anyway) then promptly increased my rate to 27% plus. I am pissed and willing to let anyone know (who will listed) to stay away from this BANK. Their charges and practices on unfair business practice and non disclosure. For a 100 word min. what more can I say other than they are prime examples of what is wrong with the credit card industry.