I have had a Juniper bank ( part of Barclays Bank) credit card that was due to expire in 2012. They just canceled my card for lack of use, without warning and now won't let me use any of my Earned Rewards points. I stopped using the card when it took them considerably longer to post payments, and I was getting late notices. Every other bank and person I paid (on line) credited my payment in days, Juniper took over a week. I have tired to deal with them in writing (ignored) email (told to write them) and by phone (many phone calls. Do not use this bank! If you have one of their cards, CANCEL it NOW! read full review »