DO NOT DO BUSINESS WITH THIS BANK. If you have a Credit Card account, pay it off IMMEDIATELY. This Bank is a RIP-OFF. I was directed to this Bank when I bought an Apple Computer. From day one, I had suspicions because they were vague about when to make my first payment. Secondly, when I made a internet payment, they were very slow to post it to the account. I called and asked to change my payment date, no can do, says a rep. I then checked online to see what others had to say. I was shocked! Paid the thing off to a zero balance, and canceled the Card. You should do the same. Beware, only a fool would do business with this Bank!!

I closed my Juniper Bank credit card when they notified me that the apr was about to rise.

I paid on the account faithfully over time, and finally applied for a bank transfer from another bank to wipe the Juniper Bank debt. Turns out I was off on the final balance and overpaid.

Now, because the account is closed, I can't log on to my online account, and the automated 800 number shuts me out of anything beyond payment history information. I can't even request a refund!

I called the application line to see if I could get a different customer service number. They gave me a different number, but it led right back to same old merry-go-round.

Looks like I'm out the over paid amount.

This is no way to do business.