Got approved for a Credit card from Juniper / Barclay's Bank a few months back. I didn't need anymore Credit cards but this one offered a 799% fixed rate. so hay... why not. got the card approved with a $1000 limit. Started using it regularly because of the low rate. Got close to my limit but never over. Made $300 payments early. the last 2 months, instead of the $13 minimum payment they asked for. Always stayed under my limit... and now they are lowering my already small credit limit to just over my new balance... read full review »