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 notification (they claimed they sent a letter all the time), funny, they don't evem have my right address and they said I failed to respond... dah! How can you dispute a letter that you never received??? Then, they give you the round around until you are so frustrated and they get away with ALL their crimes. BEWARE of these people. Pick another credit card company that will RESPECT you or give you a better service.

Happy Holidays... Juniper already ruined mine!