Just wanted to share my thoughts on my frustrating experience with the Juniper VISA Card with all who might be inclined to use the card to purchase anything via the Apple Store...
The deal is interest-free for a set number of days (90 or 180) from the DATE OF PURCHASE, not from the billing date. In my case, even though I had purchased my new iMac in the middle of Juniper's billing cycle, and that I paid in full my purchase prior to the 3rd month's billing cycle, Juniper still nailed me for the interest on the total of my entire purchase because they received my 3rd and final monthly payment mere days after my 90-day "Same As Cash" grace period.
Juniper's "Same As Cash" grace period starts the day Apple begins charging you for whatever it is you bought. For me, (if I had better understood the terms) that meant that I had to be aware of 3 payment deadlines for each of the 3 separate shipments Apple made to fulfill my original order (because, naturally, charges are made the day the item ships). When I called Juniper, they told me that those were the terms I agreed to and they couldn't do anything for me.
I promptly cancelled the card.
I told them that, fine, perhaps I wasn't watching my calendar closely enough, but it is unethical to charge for the total amount when a portion of that amount (in my case about 2/3 of my original purchase) had already been paid back. They didn't care what I had to say, made no gestures to pacify me (contrary to almost every other major credit card on the globe) and were all too ready to cancel my card. I don't trust them and neither should you.
Take your chances with this Juniper VISA if you must, but for your own good, read the fine print and then mark your calendars, 'cause these b*stards are just happy to take your money the second they get the chance.
The deal is interest-free for a set number of days (90 or 180) from the DATE OF PURCHASE, not from the billing date. In my case, even though I had purchased my new iMac in the middle of Juniper's billing cycle, and that I paid in full my purchase prior to the 3rd month's billing cycle, Juniper still nailed me for the interest on the total of my entire purchase because they received my 3rd and final monthly payment mere days after my 90-day "Same As Cash" grace period.
Juniper's "Same As Cash" grace period starts the day Apple begins charging you for whatever it is you bought. For me, (if I had better understood the terms) that meant that I had to be aware of 3 payment deadlines for each of the 3 separate shipments Apple made to fulfill my original order (because, naturally, charges are made the day the item ships). When I called Juniper, they told me that those were the terms I agreed to and they couldn't do anything for me.
I promptly cancelled the card.
I told them that, fine, perhaps I wasn't watching my calendar closely enough, but it is unethical to charge for the total amount when a portion of that amount (in my case about 2/3 of my original purchase) had already been paid back. They didn't care what I had to say, made no gestures to pacify me (contrary to almost every other major credit card on the globe) and were all too ready to cancel my card. I don't trust them and neither should you.
Take your chances with this Juniper VISA if you must, but for your own good, read the fine print and then mark your calendars, 'cause these b*stards are just happy to take your money the second they get the chance.
