In may of 2008 I took my statement to the bank and western unioned the balance of the statement to juniper.(prior to this the first month I had the card I requested that there was to be no online banking, paper billing only. they still left it online, unknown to me, they made my first payment late. So it was to be changed to paper only)So, anyway it left me with a balance of 3.69. Now its october, juniper never sent me a bill showing the balance.Which I would have taken care of then. From may to October they have been slaping on the late fees to the sum of 169.00 and never ever sent a paper bill showing the bal. of 3.69. And they want 169.oo which is not fair. ITS BAD BUISSNESS!