Juniper Credit Card Log In
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Juniper Credit Card Log In
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Few financial institutions are as deeply embedded in American life as the credit card industry. It aims to protect consumers from fraudulent transactions, erratic earnings and lost wallets. Some credit cards offer perks like free travel and cash back, while others trap consumers in a never-ending cycle of debt collection.
Most importantly, its products are the foundation of the U.S. credit reporting system, which manages the self-management of U.S. home loans, auto loans, and credit cards. Who has access to credit, and how access is determined, is critical.
I should have learned this lesson last year after applying for several cards and starting to improve my credit history. I did this to lower your “credit utilization ratio,” which is the percentage of your credit that you’re using. Nearly a third of a person’s credit score as calculated by Fair Isaac Inc., or FICO, is based on this statistic.
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Although my best efforts have been successful, in some cases my application has been rejected. My search for an explanation led me to dark web forums where credit card enthusiasts talk about “blacklists” and “lifetime bans” and overlooked corners of the industry that determine consumer credit.
My process of getting personal credit was largely random and influenced by advertising. I applied for one card because I saw an ad online, another was recommended to me by a credit monitoring app, and another, a flight attendant gave me three physical applications. Most of these are approved. But two cards turned me down: the Uber Visa card and the AAvvantage Aviator Red World Elite MasterCard.
At first glance these cards have nothing to do with each other. They are associated with different companies and are part of competing payment networks. But according to the rejection letters and fine print on each card’s website, they have one important thing in common: Both are issued by British multinational bank Barclays.
Founded in London in 1690, Barclays is one of the oldest banks in the world. It entered the U.S. credit card market after acquiring Juniper Bank in 2004, which now has more than $24 billion in consumer credit card debt.
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In addition to Uber and American Airlines, it offers cards to consumer brands such as the National Football League, Frontier Airlines, Barnes & Noble, Priceline, JetBlue and Apple. Barclays has established a US presence in other ways. It holds the naming rights to Barclays Center, a large indoor arena in Brooklyn, as well as Atlantic Avenue-Barclays Center, the subway station beneath the plaza. It is the most populated train station in New York City.
A few weeks after I applied for Uber and the AAdvantage card, I received a letter from Barclays Bank Delaware, the bank’s US credit card subsidiary. Except for the card names, both have the same language:
“We have reviewed your application and determined that we cannot approve you for the following reasons: Our reason: Our records indicate that you have had a charge-off, bankruptcy, felony or other negative performance on your previous credit card account with Barclays Bank of Delaware. “No credit bureau report was used to make this decision.”
My initial reaction was confusion: I don’t remember ever getting a credit card from Barclays. But when I went back and looked at my old emails, I found that it was already there
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There are four: one with Apple and one with Sallie May. I remember applying for and using both cards, but forgot they served Barclays.
What’s embarrassing is that both characters are largely correct. A few years ago, I went to a debt settlement company and contacted each creditor to negotiate a lower income and debt repayment schedule. In order to open this conversation, I had to stop paying them first. This may be why Barkley refers to “serious crime”.
He finished the workout. The company reduced the balance on the first card by about $850 and the second by $1,000. I finally paid off this and a few other bills and thus avoided bankruptcy. My credit score skyrocketed after the nose job.
Barclay’s letters piqued my interest because, in the years since the aforementioned conversation, every credit card I’ve applied for has been declined, for the same reason: my credit score and credit history, the three major credit records. The reporting office, they were in a mess. It’s disappointing, but not entirely hopeless. After all, there are ways to improve both.
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On the other hand, the letter from Barclays seemed to disqualify me for another Barclays credit card because their internal record of me overrides my external credit history. They wouldn’t even do it
For that, as the last sentence of the bank’s explanation states: “No credit bureau report was used in making this decision.”
“A number of different things go into the criteria for a sale,” said Matt Fields, a spokesman for Barclays. “We definitely use all three credit bureaus. They use it dozens and dozens of times a day for new customers. “Another thing is that we look at whether the applicant has a past or present relationship with us.”
Even though no two applications are the same, the bank followed certain guidelines when evaluating them, the insider added. “Let’s say someone has a past relationship with us, where they upload,” he continued. “As a general practice, we don’t want to do business with someone who doesn’t meet their obligations.”
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I have found others in a similar position. They flocked to online forums dedicated to credit cards (and their associated rewards programs) to complain that they had been blacklisted by Barclays and received a “lifetime ban” from the bank. Some detailed their frustrating experiences with the bank’s customer service representatives, who tried to explain their employer’s policies.
Two things make this policy particularly confusing. First, most cards are branded by other companies. Of the 23 cards it issued, only three were primarily Barclays-branded. Of the remaining 20 cards, only five have the small Barclays logo on the front. The websites of the remaining 15 cards – none of which have a prominent Barclays brand, and which account for 65% of the bank’s offerings – print their Barclays affiliation in fine print.
There is no problem with the arrangement itself. Brand-name credit cards are not new. But it gets confusing when you compare Barclays’ old customer rejection policy based on the bank’s internal records rather than their old credit reports.
If you have a credit card through JetBlue, or a credit card that offers special rewards to JetBlue, you may have linked that credit card to JetBlue. So it seems counterintuitive for Barclays, which manages JetBlue’s credit cards, to turn you down for a credit card associated with another company because that company also has a contract with Barclays.
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The second thing that makes it confusing is the degree to which Barclays relies on internal records to evaluate past cardholders who have been delinquent — to the point of ignoring updated credit history, even if that history is restored, which is unusual. Credit cards, at least among institutions willing to discuss the practice.
I came to this conclusion by asking the major credit card companies in the US about their policies. Three of the top five issuers — JP Morgan Chase, Capital One and Bank of America — confirmed to Business Insider that they still pull an applicant’s credit report when applying for a new loan. A smaller company, Wells Fargo, also proved it.
Other banks were reluctant to discuss this aspect of their operations. Citigroup, U.S. Bancorp and Discover declined to comment. US Express and Sync did not respond to multiple requests for comment. In fact, Barclays was the only bank willing to confirm that it would reject delinquent previous owners without checking their credit reports.
In 2017, the 10 largest credit card companies in the United States had $712 billion in credit card debt. More than half of that debt, of $358.5 billion, is still held by banks that rely on external credit reports. The remaining $353.5 billion belongs to banks that ignore certain applicants’ foreign credit reports
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