DO NOT OPEN AN ACCOUNT WITH JUNIPER (BAYCLAYS)!!! Don't waste your money or your time with these crooks bottom-feeders. The customer service (if you can call it that) people are inepts and they can't barely speak English. They lowered my credit score without a notification (the letter came after I notified BBB of their scam). Thousands of people got a $39 over the credit limit fee because they purposely lowered the credit limits during the Holidays. Imagine the amount of money Juniper pocket it... then, they raised my APR without a... read full review »