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My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
So I guess that translates to "ask only for what you need" which certainly makes sense from their viewpoint. Just hard to guess compared with Amex and others~!
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
Sounds about right.
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
Did they do a HP for the CLI request?
I'm not sure why you would think Diners, in their stealth/turtle mode would be interested in matching Navy
I'll keep that in mind, CA. Thanks for letting us know.
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
3% at Grocery, Drug and Gas are the worst?
1.6/1 for SPG and better than 1/1 on lots of transfer partners is the worst?
@IWOL wrote:
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
3% at Grocery, Drug and Gas are the worst?
1.6/1 for SPG and better than 1/1 on lots of transfer partners is the worst?
When you are paying $300 AF it's not that great unless you are having sundae parties daily and giving out diesel at the truck stop.
@longtimelurker wrote:
@Creditaddict wrote:My partners CLI was FLAT OUT DENIED after a week.
He was approved in Oct for $15k, asked for $50k to match Navy.
1. Diners said not to apply for a CLI again for 8 Months!!
2. Diners club does NOT counter your request... he says if cardholder is asking for $50k, we assume the needs are for $50k and we try to approve that or nothing.
not sure the logic that if the needs are $50k but you can't do $50k how declining completely is better than "trying" to meet the needs!
3. They seem to also have gotten INQ sensitive all the way to a year now! certainly was not an issue in Oct.
They are SD unless we need to carry a hidden balance otherwise the rewards are about the worse of any card we carry.
So I guess that translates to "ask only for what you need" which certainly makes sense from their viewpoint. Just hard to guess compared with Amex and others~!
Shouldn't that apply for ANY card? If you don't "need" $50K, why ask for it? Frankly, I was shocked when Diners Club gave me $50K out the gate, but I won't quibble. I would have been perfectly satisfied with $10-$15K.
Guess I'm not the "norm" here, in that I'm very satisfied with the limits I have. I still get auto CLI occasionally, but I'm certainly not going to pursue any further CLI. At some point, one needs to be satisfied with what they have...and I am. And grateful as well.