I just opened a Juniper account and now find all the complaints here... scary.

But "RBS Credit Card Services" dba Kroger Personal Finances, Kroger Master Card, Fred Meyer Master Card, (and probably more) burned me worse than any of the reports I see here about Juniper.

In particular their brochure and application invited "Free Transfer From Other Credit Cards" and "No Interest for Nine Months." But it was/is all a crock.

Not only did they levy multiple "transfer fees" against me as-of the very first DAY, they reneged on the "no interest" for the transferred balances AND on PURCHASES in THEIR OWN stores (Fred Meyer) PLUS have increased the RATE of interest every single month since I transferred from the "Higher" (12% card)to their "promised" "0% for 9 months." I got stuck for transfer fees plus have had interest raised every single month since, day one (September 2006). Interest of last statement was about 65%: "minimum finance charge"

I tried to report them to local Consumer Protection (State of Washington) but got nowhere. I did report them repeatedly to the BBB in the states they're registered (CT, RI), and yesterday suddenly MY Credit Report shows about a dozen alleged "delinquencies" (according to HSBC Master Card) -- But I get brushed-off by Experian etc every time I try to get a copy of that alleged "Credit Report" - In violation of several state and federal laws.

I paid "Kroger Personal Finances" off COMPLETELY in December 2006 --- but am still (February 2007) being "accessed interest on interest" (on the "0% advances") -- Although I was never late for a single payment since I got the card.

And Kroger Personal Finance is still sending me blank checks imprinted "0% interest" in the same envelopes as the +60% "interest on interest" billing statements.