Do not apply for this card! I took it out a few years ago with no problems
untill barclay took it over. I paid it in full and they didnt post my payment till a week later and raised my interest rate. They did offer to waive the late fee and I paid the daily interest charge of $14.00 for the previous month by phone with the account rep assured me again was the paid in full amount. I also paid the $40 some interest from the previous month since they said my payment did not come in on time

The next month I get a bill again. Called Juniper and they said they had no record of waiving a late fee, and they do not waive lt fees. I would have to fax them a letter and wait for them to send a transcript of the phone call. So now i have a late fee for "never" paying the late fee.

Next thing I know I have 2 late fees and a bill that was once 14.00
turns into 78.00 and they said again that I did not pay in full. This was
never resolved and after a lot of frustration from "customer service" people who speak very little english, I gave up and paid the 3 late fees the next month since I never recieved the "transcript" of the phone call
and closed the account. Do not do business with this company!

I recently applied for a Juniper VISA through the Apple store and was instantly approved with a $4000.00 credit limit, which I used to buy a new MacBook Pro and some other items. Each month I paid approximately $1000.00 before the due date. At the end of November I paid the remaining balance of $1990.00 way before the due date.

The following month Juniper sent me another bill with a zero balance except for a finance charge of $86.12. After talking to several rude Juniper reps, I discovered the fine print on the second or third page of my statement stating that the finance charge was due a few days before the credit card payment due date. I have never heard of a credit card that has two due dates. I called Juniper and cancelled the account and sent them a check for $86.12 on 12.17.07, which was due on 12.30.07.

Today I received another bill for the previous finance charge of $86.12 plus an additional $30 finance charge and a $15 late fee. I checked my online bank statement and the $86.12 check cleared my bank on 12.31.07 and the due date was 12.30.07. I've been calling Juniper since 9AM and I get is a rapid busy signal.

After Googling "Juniper VISA fraud scam" I realized that I'm among many who are being scammed by this company.

My next step is to file a complaint with the FCC and the California Attorney General's office. Also, as an Apple consumer and shareholder, I'm notifying their corporate financial services manager. An online complaint to Apple over a month ago has gone unanswered.

this is by far the worst company I have ever dealt with! over the limit fees late fees, what a crock of crap! I have great credit, never late, but for some reason it always was with this company. Cant even get a superviser on the phone. this company is raping the public!!!

THE JUNIPER CARD AND BARCLAYS BANK IS A FINANCIAL SCAM!
I was checking out a new computer at the Santa Monica APPLE store and an employee said if I filled out a form, that I might be eligible for immediate credit with the Juniper Card with terms of 0% for 1 year. Because of my excellent credit rating, I was approved for over $1, 000 and I went home to further research their products, I then received a call that my dad had died of a heart attack and I left immediately. While out of state for almost a month, handling all the funeral arrangements and the estate business, my bills were being paid by auto-debit. When I returned to CA, I used the Juniper card and I saw on their first statement that my interest rate jumped from 0% for one year, to 29.99%!
When I called, the people at Juniper and Barclays Bank of Delaware, I waited over 15 minutes for an agent and everyone I spoke with was unbelievably rude. The supervisor said the reason the interest went up 30% was because I didn't use the Juniper card at an Apple store within 30 days! I used it 32 days later. The Apple employees explained none of this to me at either time! Before using the Juniper card, I browsed the terms and information but missed a “see below” fine print line. There is a (very small and hidden) sentence in the contract that states, if you don't use the Juniper card by Barclays Bank of Delaware in 30 days, the interest goes from 0% for a year to 29.99%. Even though I spent less than the credit limit, the interest put me over the limit! I explained the situation, and no one at BARCLAYS BANK or JUNIPER was helpful, friendly or the least bit understanding. Not only would they would not lower the interest rate, or the over limit fee, even for as a gesture of good will, they charged me a $39 late fee because while I had been on the phone with them, because I missed the payment cutoff time by 45 minutes EST! I highly suggest that you never use Barclays Bank OR Juniper! I have the feeling they may be up for a class action suit, if we really do see reform as promised, after the recent elections. I am wondering if this is one of the banks we bailed out!
To Juniper and Barclays Bank, any means, including, a small oversight from grieving the death of a parent is another way to make more money.

Changing a payment due date to collect late fees. I've reported this company to the FTC and all three credit bureau's, plus I paid the card, then cancelled it. Juniper not to be trusted.