I didn't have time to document my recent AOR, but I thought I'd send up a warning flare on Juniper/Barclay's.
My AOR was ~20 cards, 6 citi, 4 AMEX, and the rest 1 bus 1 personal from other lenders (bofa, barclay's, advanta, chase, etc).
I had 2 Juniper cards, total of ~26k CL. I got deferred on both new apps, and today got 4 letters. 2 telling me my new apps are denied due to sufficient credit, and the other two saying they closed my existing accounts due to too many recent inquiries on my CR. They also pulled all three from both apps, so 6 new inqs were from them. They said the decision was based on TU, which only shows 3, but my Exp shows 31 now so I think that is the problem.
I probably will let this die, but I hope it doesn't impact my other accounts. I'm not sure if 2 accounts closed by the lender will hurt my credit enough to fight it and explain my recent flood of inquiries.
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I have 21 on experian, I wouldn't dare do 20 apps!!!!!!
That is why I froze my experian out of my 15 apps with experian frozen only discover sent me a letter requesting to see experian!!! I didn't even call them. on my next AOR I will tell them I haven't gotten my code yet
I did my AOR in sept B* and froze experian and then did another AOR in nov. only difference is I'm not looking for 0% money to invest in CDs, I want the money for my business.
So I stopped doing personal apps after my SEPT. AOR and am now only doing business apps. once all INQs are gone, I'll do another 10 or so apps (maybe more).
I don't see me unfreezing EXP. for a long long time.
I tried to consolidate my Miles-and-More card (20K CL) and National Parks (5K) into BankAtlantic Biz (10K). Got a hard inquiry on EQ, Miles-and-More card closed and the other two not consolidated. Now I faxed them a request to remove the unauthorized inquiry. They were not interested in verification of assets.
it seems juny doesn't like to play, I think the best thing to do is get the bank atlantic biz card and BT as quickly as u can and be done with them.
If they close the account, so what, you already got the money and it doesn't report.
I just don't understand why more people are not freezing all 3 reports before they try to move credit lines around. If they really want to see your report, they can just pull a soft.
If they refuse to do a soft, then you may not want them to see it anyway.
They lowered my credit line from $22k to just above the BT balance (a few months in a row, even) right after all my AOR inquiries and balances posted, but I've since paid most of them off and they haven't touched it, still sitting at $18k. Been using it as my primary spend card (US Air 1.5 miles/$) and they haven't balked at anything.
I just don't understand why more people are not freezing all 3 reports before they try to move credit lines around. If they really want to see your report, they can just pull a soft.
If they refuse to do a soft, then you may not want them to see it anyway.
You know I wish I would have frozen all three. Three months after my AOR... I got hit with a hard inquiry from Barclays because they wanted to "review my credit".
I already sent them a letter demanding they remove this inquiry off my credit report. If they don't I may decide to sue them.
I see TC and EQ have the freeze button on there website for a few bucks more. EQ makes you get CW, but I wonder if getting that will mess with B*!!! Any thoughts or experiences?
I only have experian frozen right now, I don't worry to much about TU or EQ. I've had great luck in disp-uting eq inqs. Hardly anyone checks TU for me. So I really haven't been doing much B* lately.
Bank Atlantic (by Barclay) closed my business account due to high credit balance. When I log on my account online. All functions disappeared. I wonder how can I make a payment.
moonmaker said:Bank Atlantic (by Barclay) closed my business account due to high credit balance. When I log on my account online. All functions disappeared. I wonder how can I make a payment.
Ditto for me. Received a letter today. Part of a 3 month old AOR. This is my only Juniper card. No mention what will happen to the APR or the balance.
Kanosh said:Barclay's lowerd credit limits on 2 of my existing accounts for too much credit available ... 6 months AFTER the AOR. Same thing happened to me. Jupiter lowered CLs to 1k on 6 months old E*migrant visa and 10 year old another brand card. In retaliation, I informed E*migrant D*irect that I can no longer do business with them, withdrew +/-$100k and closed account. Clearly, it is not the fault of E*migrant Savings but they should be more careful who they subcontract their credit card business to.
I got hit with several Juniper CL reductions and one AOR card CLOSED (but I get to keep the rate and keep making minimum payments, so I really don't care that much, it wasn't a huge CL, like 6k).
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They said the decision was based on TU, which only shows 3, but my Exp shows 31 now so I think that is the problem.
