Barclays just called me about the Juniper National Park card - they are denying my balance transfer check and lowering my limit from $20K to $1K. I told the bank manager that he was not able to do that under the Terms and Conditions, but he stated he was and quoted the line. It seems they can, but they CANNOT take money back that I've already transferred. However, I have seen several other FWers have they funds taken back with a "fraudulent check" claim. I am watching my bank balance carefully.

markkundinger said:Shane, does the timing of the call indiciate that Barclays/Juniper actually waiting until they received the check to decide to deny it?

Can you see any indication that Barclays/Juniper did a soft credit pull lately, especially around the time they would have received the check?

I'm wondering what triggered them to act skittish. If they looked at your credit report, it might be general adverse action. If they didn't, then they just didn't like that you already maxed out the Bankatlantic card.

You did already get the money out of the BankAtlantic card, right?

Mark,

Yes, they waited until the day they received it. They then did a soft pull, saw all my new credit lines and new high balances, and decided to deny the check and lower my CL. I received a call from Credit Portfolio Manager indicating this.

The money is sitting in my bank account, but unfortunately I wrote a check against those funds to pay my HELOC. Said check hasn't cleared yet. So either it will clear before they send notice and they will be going after an empty bank account, or it will clear after they send notice and my HELOC check will bounce. Awesome.

So the future advice is, either don't do a BT or do it FIRST.

Also, this is the National Park card. My BankAtlantic Biz card I successfully did $20K BT on and have had no problems yet.