sacha71

DH and I have both had ours for over a year.. He- $300 start $300 now uses infrequently pif/currently $32 bal w/$20 min Me-$200 start $500 now use infrequently pif/currently $217 bal w/$11 min Crazy, huh? Especially $20 minimum payment on a $32 balance.

Call the number on the back of the card. If you didn't specify a number when you applied, they generated one for you and customer service can tell you the number.

In my experience, it's very easy to get. Mine was approved with only one AU account showing as an open revolving last year. DH was approved this year with a freshly reaged Junk Debt tradeline. Good luck! eta..we're in NC as well and EQ was pulled 3 days ago online app

3 hards would have had me poopin the pants. No card is worth 3 hards IMHO. Well..I got what I needed (a denial) so I guess I'm "happy". I'll stick with Citi.

Well, this would have been my first Juniper card. But I'm glad it didn't go through. Surprised they know how to put things in alphabetical order. The first two reasons are totally incorrect. It seems like they just make stuff up to go along with the one they have. It's like they're saying..."Oh...we can't just put one, they look better in threes!". At least I got my lovely letter and ordered a copy of my TU showing that CA as my only baddie. So all is good. I just wanted to give a heads up for anyone serious about the card that they may pull reasons out of their hoo hahs to decline. -

I applied for a Juniper Sea Miles since they pull TU and there's a new, nasty, non validating (well you get the picture) CA on TU for 48 dollars. So I wanted to show how it was hurting my score since I'm getting ready to sue them. (And I guess SeaMiles is good if you like cruises?) Believe me..EVERYONE worth looking at pulls Equifax here in NC! So here's what I got as my reasons I was declined. Based on the information you provided in your application, you did not score enough points when compared with other applicants. The primary reasons you did not score enough points are listed below: * High number of recent inquiries for credit cards * High utilization on another credit card * Recent delinquency OK..I had ZERO inquiries on Transunion which they say they used and under 10 percent on my highest card. And no balance on most of them. Well at least now I know I don't want a Juniper card, even in the best of circumstances. What whackos!

And with 100% utilization? You must take into account that when one is already an Amex user with a positive history with them, they will utilize their own internal scoring. Only when you don't have an Amex card will they be score driven. Does this include someone who is an AU? In my experience it does. I got Blue about a year ago and added DH as AU. He has 1 baddie and applied jan 6th for his own HHonors. It was approved instantly with no pull. When he registered the card it showed him as a cardmember since 2005 and allowed him to do the short app for a Blue Cash, although he had only been a primary cardholder for a few days.

AAAhhhh..I didn't look as closely at the image as I should have. Yeah, that is a little much. Who wouldn't want to snatch it up? Our mail has been really strange lately too. I've had a lot of things show up "damaged at the post office" and in horrible shape (rips down the middle). Especially Netflix movies and anything that looks juicy. Four times over the past week and a half. I called to complain, they said they're "aware of the problem". Hopefully that means they're watching the mailroom more closely? Anywho..Amex should be more careful!

Amex is crazy nowadays...they probably think you're a business owner. DH gets things like that..not from Amex, but other cc companies because he subscribes to alot of business magazines? But they do seem to like you Shawnee. Maybe it's a sign to open a business?

Union...please keep us updated on the default!!! Good luck! They're next on my &*& list.

DH applied for Skymiles on 1-6 and received that message. He checked back yesterday, 1-11 and it was approved.

I haven't received any offers that waive the fee. The only thing I have received in the mail was the full on fee. Trust me..if it waived the fee, I would be MORE than tempted. But I would hate myself in the morning! Cause I know Amex doesn't REALLY respect me or love me...

Hey Shawnee, it's ok! They were bugging me too. At least it's not the Platinum solicitation! I almost got in trouble with that one since I'm vain (but poor!) I'll see what's what with them. I don't think I'll be giving them much more business myself. But if they are good to DH I can't ask for much more right now. Until M1dland is gone, that is. We're awaiting a denial from the Premier Pass through Citi. I don't think whatever love Amex is showing DH is going on for him over at Citi.

Hello all! Amex is acting pretty strange about approvals lately... I had 3 cards with them, all tiny util 1 over 6 months, PIF history all months but one where I revolved a small balance during 0 percent interest intro period. Declined Amex Clear when I applied a few weeks ago. Reasons made no sense. (One was that my balance was high to my limit on Amex cards when util was around 2 percent). In comes DH who is an AU on 2 of my cards. M1dland recently gave him a freshly updated tradeline after we disputed it for almost $5000. Score dropped to around 620 last I checked. Well..we have something in the works for M1dland, so we wanted to illustrate how this TL was hurting DH's approval. He was approved with what looks like a BRAND NEW DEROG for an HHonors. AND no hard inquiry. The rest of his report is great, but I never would have thought Amex would allow something like that. Then...that same day he decided to apply for Amex Skymiles Gold and got the 24 hour message... Checked today....APPROVED! The did pull a hard the day after the app for this one, so I know they saw the TL. I'm happy he's getting back in prime land. It just kinda blows what I thought about who would get approved for what.

DH applied for HHonors today. Surprisingly was approved. $2000 cl 1 Major Derog of $4xxx.xx which is BS but I won't get into the reasons why. They updated 12/2005 so it's showing as VERY recent. Makes over 75000 per year. Is an A/U on my very good Amex accounts. And I know they didn't pull a hard. I'm thinking they didn't pull at all. We'll see tomorrow though!