Customer Service: 1-877-523-0478
Credit Card Activation: 1-877-408-8866
Fax Number: 1-866-823-8178
International: 1-302-255-8888

General Correspondence

Card Services
PO Box 8801
Wilmington, DE 19899-8801

Website: www.juniper.com

Online Account Access: www.juniper.com

Company Information:

Juniper bank sponsors cards from US Airways, AirTran Airways, Frontier Airlines, Midwest Airlines, Carnival Cruise Lines, TiVo, Gulf Oil, Harvard Alumni Association, UBS and others. Juniper Bank has declined from its height in the dot com days, but still is a major credit card issuer. They are perhaps best known for their Emigrant Direct Credit Card.

Email Address: NA

Types of Cards Issued: MasterCard, Visa

Cards Issued:

Emigrant Direct Credit Card

The Value Miles^SM Platinum Visa® Card gives you the rewards and choice you need to get away. Choose your travel dates to anywhere in the United States, the Caribbean, Mexico, Europe, South America or Asia.
The sooner you apply, the sooner you can start making plans for that getaway that you deserve!
You’ll also enjoy:

• Free Travel. Every purchase earns you one Value Mile for each dollar spent. And all it takes is 24,000 miles to earn an airline ticket to anywhere in the continental U.S. 48 states.
• Flexibility. Fly major U.S. airlines with no blackout dates.
• Platinum Benefits. Receive Travel Insurance, Travel Assistance, Emergency Cash Delivery, Lost Card Reporting, and more!
• 0% Intro APR* and No Annual Fee

Discover Card Customer Service Mailing Address:

Discover Financial Services
P.O. Box 30943
Salt Lake City, UT 84130-0943

Lost or Stolen Credit Card:

Personal Cards: 1-800-DISCOVER (1-800-347-2683)
Discover Business Cards: 1-888-DISCOVER (1-888-347-2683)

Website: www.discovercard.com

Online Account Access: www.discovercard.com

Company Information:

Discover Cards are issued by Discover Bank and are widely accepted in the United States. Though Discover is working to expand their international network, Discover Cards are not widely accepted in some countries. Discover is known for their attractive range of rewards cards and exceptional customer service based out of Utah. They claim most customers have calls answered by a real representative in usually less than a minute of waiting.

Email Address: See www.discovercard.com

Types of Cards Issued:

Most cards with the Discover Network logo on them are issued by Discover and accepted wherever the Discover logo may be found. Discover debit cards are also accepted in the PULSE ATM network.

Cards Issued:

Discover issues a limited range of rewards cards: Discover Platinum Card, Discover Platinum Gas Rebate Card, The Miles Card, and the Discover Student Card. Discover also offers Business Credit Cards. Click here to see a range of Discover Card promotional offers.

Other Discover Card Mailing Addresses Include:

Discover Card Payment Address:
Discover Card Services
P.O. Box 30395
Salt Lake City, UT 84130-0395

Discover Business Card Payment Address:
Discover Business Card
PO Box 30423
Salt Lake City, UT 84130-0423

Discover Business Card Customer Service:
Discover Financial Services
PO Box 3023
New Albany, OH 43054-3023

National City Corp. Foreign Transaction Fee: 2%

National City Corp. ATM Fee: $1.50

Special Circumstances: NA

There are three questions to ask when determining ATM and debit card foreign transaction fees for a particular card: Does the bank charge a flat fee per transaction, do they charge a percentage of the withdrawal and do they add a fee for converting the currency. Finally, if the debit card carries the Visa or MasterCard logo, it is important to verify with your bank that the foreign transaction fee is the same when using the debit card as a credit card to make a purchase.

For the purposes of this directory we include the foreign currency transaction fee assessed when using the card at an ATM and the ATM fee charged by the bank issuing the debit card. We encourage readers to update listings with supplemental information as necessary. Readers should be well advised that the actual fees charged may be higher than the fees listed because of circumstances described above. With this in mind, it is always a good idea to call the bank before a trip to verify fee structures.

Washington Mutual Foreign Transaction Fee: 1%

Washington Mutual ATM Fee: $3

Special Circumstances: NA

There are three questions to ask when determining ATM and debit card foreign transaction fees for a particular card: Does the bank charge a flat fee per transaction, do they charge a percentage of the withdrawal and do they add a fee for converting the currency. Finally, if the debit card carries the Visa or MasterCard logo, it is important to verify with your bank that the foreign transaction fee is the same when using the debit card as a credit card to make a purchase.

For the purposes of this directory we include the foreign currency transaction fee assessed when using the card at an ATM and the ATM fee charged by the bank issuing the debit card. We encourage readers to update listings with supplemental information as necessary. Readers should be well advised that the actual fees charged may be higher than the fees listed because of circumstances described above. With this in mind, it is always a good idea to call the bank before a trip to verify fee structures.

Unfortunately, Discover is not widely accepted in foreign countries. But that doesn’t mean Discover can’t be used at many international destinations. Below are a few countries that will accept a Discover Card.

Canada: Discover is not widely accepted in Canada, but some places catering to U.S. tourists accept Discover. Some U.S. based chain stores such as Sears will also accept Discover Cards in Canada. Discover Cards cannot be used at ATMs in Canada, but cash advances may be available at the same stores that accept Discover Card.

Europe: Discover in NOT accepted in Europe.

China: Discover has announced an agreement with China UnionPay, that once fully implemented will make Discover Card the most widely accepted U.S. based credit card in China.

The Caribbean: In addition to China, Discover is widely accepted in the Caribbean and has good ATM access there. Some of these countries include: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Belize, Bonaire, the British Virgin Islands, Cayman Islands, Curacao, Dominica, the Dominican Republic, Grenada, Jamaica, Puerto Rico, St. Kitts and Nevis, St. Lucia, St. Maarten and St. Martin, St. Eustatius and Saba, St. Vincent and the Grenadines, Turks and Caicos, and the U.S. Virgin Islands.

Mexico: Discover is accepted in Mexico and they are rapidly expanding access there.

When it comes to foreign transaction fees, rewards cards and customer service, the Discover Card would be impossible to beat for international travel if it were more widely accepted. As such, in countries where Discover Card is accepted it pays to ask about acceptance when shopping (if for no other reason to encourage merchants to accept Discover). But when traveling with Discover, pairing it with another great travel card from Visa, MasterCard or American Express will give the greatest flexibility when at shops where Discover Card isn’t accepted.

HSBC Foreign Transaction Fee: 1%

HSBC ATM Fee: $1.50 Maximum

Special Circumstances: No fee when used at bank branches. Fee is waived for some accounts.

There are three questions to ask when determining ATM and debit card foreign transaction fees for a particular card: Does the bank charge a flat fee per transaction, do they charge a percentage of the withdrawal and do they add a fee for converting the currency. Finally, if the debit card carries the Visa or MasterCard logo, it is important to verify with your bank that the foreign transaction fee is the same when using the debit card as a credit card to make a purchase.

For the purposes of this directory we include the foreign currency transaction fee assessed when using the card at an ATM and the ATM fee charged by the bank issuing the debit card. We encourage readers to update listings with supplemental information as necessary. Readers should be well advised that the actual fees charged may be higher than the fees listed because of circumstances described above. With this in mind, it is always a good idea to call the bank before a trip to verify fee structures.

Benefits

• No More Check Cashing Locations.
• Stop losing your Income ($$).
• Toll-Free Phone Support.
• Online and Offline Access.
• Take your card from Job-to-Job.
• Direct Deposit from your Employer.
• Low cost fees.
• Store your Money Safely.
• Easy to Purchase (POS).
• 24/7 ATM Access to Funds.
• No Credit Check or Bank Account Required
• No Security Deposits
• No Employment Verification
• Keep your Money safe – No more need for Money Orders or walking around with cash in your Pocket
• Pay your bills over the phone
• Eliminate check-writing hassles
• Avoid late-payment fees
• Save postage costs and time
• The cardholder may only withdraw funds or make purchases up to the balance on the card. You cannot overdraft the account. There are no late fees or interest charges.
• 24 X 7 On-Line Account Access

More Information…

Wired Plastic is the most advanced Prepaid Debit card available. It offers flexible pricing plans, an innovative Rewards Program and several convenient card loading options including; Free Direct Deposit, Bank Transfers and Instant Cash Loading at over 100,000 retail locations nationwide. With its powerful account management tools, cardholders can; use Click-n-Pay™ to schedule recurring monthly bill payments including rent, car payment, and utilities or use PersonalPay™ to send a check to anyone or transfer money to another account online or over the phone 24/7. They offer FREE customer service, online access, and wireless alerts. Plus you never pay NSF, overdraft or bounced check fees! Wired Plastic helps make your life easier! Apply Now!

• No Upfront Payment Required – Receive your new Visa card in as little as 3 days
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• Rewards Program – Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads
• Integrated Bill Pay Service – Pay any bill online or over the phone, even if they don’t accept credit or debit cards.
• Convenient Loading Options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide.

More Information…

The Emigrant Direct Juniper Bank Foreign Transaction Fee Breakdown:

1% — Standard Rate Charged by Visa or MasterCard +
1% — Additional Rate Charged by Juniper Bank +
0-5% — Optional “Dynamic Currency Conversion” Fee** Added by Some Merchants =
2-8% — Total Fee Charged 

To determine the approximate fee you’ll be charged for making an international purchase take the total value of your foreign purchase and multiply it by the U.S. Dollar exchange rate. Take this figure and multiply it by the total transaction fee listed above. The final amount is what you will pay to Juniper Bank, Visa/MasterCard, or merchant respectively for using the card internationally.

Special Offers from credit cards with LOW foreign transaction fees.
See chart of international conversion fees charged by other major credit card issuers.

**Visa and MasterCard are susceptible to “dynamic currency conversion” (DCC) fees charged by some international merchants which can add 3% or more to the total purchase. AmericanExpress cards cannot have “dynamic currency fees” added. The usual DCC fee added is between 3-5% but varies from merchant to merchant. Some merchants will not add DCC fees.