My wife and I had 9.99% interest rates on our cards (separate accounts) last fall and received a letter in November that my interest rate was jumping to 27.45% because my payment was late. I checked and payments on both accounts were on time. I contacted Juniper at the time and they said it was a system error. They corrected the rate, refunded the interest, and reduced the minimum payment back down to where it was supposed to be. In early January, I looked at our accounts online and realized the rates were back up to 27.45%. When I called... read full review »