iLounge

1

D’oh! I got approved for Apple Credit back in Nov. and all I got was a crummy Juniper MasterCard without iTunes Rewards.

Posted by Galley in Greenville, SC on December 18, 2006 at 12:15 PM (PDT)

2

Where is my APPLE Branded Rewards Visa Card?  Other LOYALISTS have SONY Rewards Visa Card: DISNEY Rewards Visa Card: ESPN Rewards Visa Card!
All Apple Store merchandise should be available not only songs.

Posted by Benton on December 18, 2006 at 2:56 PM (PDT)

3

Yeah, I was disappointed that it wasn’t Apple-branded. :-(

Posted by Galley on December 18, 2006 at 3:51 PM (PDT)

4

Juniper bank was behind my airline mastercard, and their customer service is the WORST I have ever experienced with any company. The reps are rude and the company is shifty—beware.

Posted by eroell on December 18, 2006 at 5:59 PM (PDT)

5

Or you could use any Discover Card and get 5% CashBack (5% x $n) on ALL of your iTunes purchases:

http://www2.discovercard.com/shopcenter/

I have been a Discover Card holder for several years. Discover kicks ###, especially now that it’s accepted by more businesses.

CashBack Bonus rewards are real cash as opposed to points. You get 1% CashBack for anything not eligible for more than 1%. I get 5% CashBack for gas and groceries.

You can use the CashBack balance to pay off your monthly balance, transfer it to a bank account, donate to a charity, or spend it on gift cards. Discover and their merchant partners will give you more than 100% if you donate to a charity or get a gift card. For example, I cashed in $200 of CashBack Bonus rewards for $400 in Sharper Image gift cards.

Discover customer service is awesome. They don’t try to sign you up for a zillion different offers when you call. They all seem to be based out of Utah (i.e. they speak English) where they’re headquartered.

I’m not sure how Discover makes money off of people who pay off their monthly balances. They don’t even charge an annual fee.

Posted by btn on December 18, 2006 at 6:56 PM (PDT)

6

I also use either Discover or my LLBean card (Visa) for better deals.  Last time I used my Juniper was for my Moms Mini last year.

Posted by Jamie on December 19, 2006 at 10:09 AM (PDT)

7

We had the worst time with Juniper today, I applied on-line at home, and was then told I couldn’t use it in the store. So then we were instructed to cancel it and reapply in the Apple store. Oops, they forgot to tell us it takes 48 hours to cancel, we found out after driving 2 hours to the apple store. I wouldn’t use their card now if it was FREE!!!!!!! I miss the old apple financing plan.

Posted by shelhed217 on July 13, 2007 at 6:42 PM (PDT)

8

I thought it was a good idea to buy my first MAC ever with an Itunes rewards card. I searched Juniper Card online and I found nothing but bad reviews and angry people. 90 days 0%? someone needs to get off the pipe. Bestbuy offers 6 to 12 months no interest same as cash and you get all the rewards you want $2000=$20 to $30 in anything at Bestbuy including Itunes. I am very displeased to find out that Apple made a deal with Juniper that was a bad move. I will stick to my Sony card and keep earning points for my new digital camera.

Posted by migrant to MAC on July 29, 2007 at 2:34 PM (PDT)

9

Check out this website for more complaints on Juniper.  This is a bad deal - do not finance anything with them it is a rip off.  The customer service is absolutely the worst.  When we asked for their supervisor, they refused to give us one.  They said they were it!
http://www.complaintsboard.com/complaints/juniper-bank-c18408.html

Posted by cab on September 26, 2007 at 7:22 PM (PDT)

10

RUN FROM THIS CARD.  Purchased my Appple Computer with juniper’s 90 days same as cash.  The 90 day date mysteriously did not coincide with the payment due date.  Therefore my last payment did not reach Juniper until after the 90 days.  A $66.91 finance charge was added even though I paid the computer off in three on-time payments.  This is deceptive and fraudulent.  These people are little more than common thieves.

Posted by James Hacker on December 26, 2007 at 11:57 AM (PDT)

11

This is the worst visa that I have had till this day. They are a rip off. I used the card only once since I have had it and I wish that I did not use it or even apply for it. Why does Apple even need them they might come off better if it was a APPLE branded card.
I called customer service to see how to redeem my point and they had no club. I have a BP visa that every time I get 250 in points i get a 25 dollar gift card to do whatever I want, and I can use it any where I want and still get the rewards.
If you are offered a juniper visa run from it.

Posted by Tawanna Webb on January 7, 2008 at 4:03 PM (PDT)

12

I HAD THE SAME WORST EXPERIENCE WITH THIS COMPANY. A TOTAL RIP OFF AND WORST RELATIONSHIP MANAGER.

031208

Posted by L. R. on March 12, 2008 at 9:57 AM (PDT)

13

I am sorry to see so many bad reviews of this company because I have had a Juniper card for 4 years and used it as my purchasing card for almost all Apple products.  I have had nothing but good experiences and when I went to purchase a new computer, the company told me that I should cancel my current account and get a new on so I could get the 90 days same as cash again.  They got this done over the phone and within 20 minutes I had purchased my new computer and have received an iTunes gift card for my purchase.

I continue to be impressed by the level of service I get from this bank.

Posted by Nicholas F on June 16, 2008 at 2:42 AM (PDT)

14

Juniper is bad news: It has a shifty policy and refuses to waive first time service charges regardless of your tenure. I find the reps to be disconnected and possible speaking through a modlator of some kind--India?

There over the limit fees post ten days before you min payment due date---figure that one out!

The FCC and the FCRA should investigate.

In fact, their online dashboard will not show the same data as the monlty statement--why not?

Posted by zarxo on July 21, 2008 at 11:01 AM (PDT)