I signed an agreement with Barclays Bank for a Juniper credit card with a specific credit limit. I had it for 6 months, and intended only to use it when I needed it. So, when I needed it, I used it, but I did not max out the card. I only used 1/3 of the limit. So Juniper/Barclays decides to 'lower' my credit limit to less than the balance I had just used. So basically, I am now $45 over the new limit! And oddly, my Dec statement still shows my original credit limit (not the new lowered limit). But they emailed me to inform me... read full review »