IF YOU ARE ON THE WEST COAST, MAKE SURE YOUR ONLINE PAYMENT ARRIVES BEFORE 2:00 PM ON THE DUE DATE. ANY LATER, AND THIS CREDIT CARD COMPANY (Juniper/Barclays) WILL CHARGE YOU A LATE FEE OF $39.00 AND INCREASE YOUR ANNUAL PERCENTAGE RATE (APR) TO: 26.24%, WHICH WILL INCREASE AGAIN, SINCE IT IS A VARIABLE RATE. ALSO, THEIR SERVER MAINTENANCE ALWAYS FALLS ON OR BEFORE YOUR PAYMENT DUE DATE, SO YOU CANNOT PAY THEM EVEN IF YOU ARE READY AND ABLE TO. PAY OFF THE BALANCE AND CUT UP THE CARD. . read full review »