This organization is totally unprofessional and unhelpful. I have been trying to work with them since February to get on a payment plan because I lost my job in March and my husband is self-employed. Their representatives are difficult to understand (the woman I spoke to was in the Philappines!), they are rude and unhelpful. The only representative that offered me a reasonable payment plan, asked me to hold on and then came back on the phone only to say she was mistaken and had given me wrong information. I reported them to the Better Business Bureau and their response was that I needed to go to the Consumer Credit Counseling Service, to which I replied that I had already done that and that CCCS had advised me to try to negotiate a payment plan on my own. I responded by saying that if Juniper Visa could offer me the same plan that the CCCS offered me, ($75/mo min payment and 7.5% interest) that I would take it. I never received a response from them, which the BBB said was a response in itself. My husband opened this card along with 5 other credit cards which I was not aware of and what I found was that all of the other credit card companies were much easier to work with, most actually offering me 0% interest and low minimum payments. Juniper Visa had the lowest balance and yet was the most difficult to work with. I have found comfort in reading other people's complaints on the web about this company, but something must be done about their poor business practices. And shame on Apple for hooking up with them, which is probably how this mess in my life began.