Juniper Future Trust Card sucks. I have had this card for 3 years. I opened it when my son was born. I am a good customer I think I had one late payment but usually pay the balance in full. I guess they don't like that I'm not making money for them with their fees and interest. They have placed a hold on my last payment saying the bank has the right to hold the payment for 7-10 business days leaving me with no available credit. Although my credit score is great and I have other cards with higher credit available I like knowing that I am contributing to my son's college fund. However their lack of concern or desire to find a way of keeping my business has left me no choice. I am no longer going to use their card. I have spoken to two different "relationship managers" and its unbelievable how they explain this random hold. I regret telling my friends how great the card was and I will be relaying my unhappiness to all my friends in the future.