Diners Club Account Reviews

[baller4life]

You're right. They can make whatever rules they like. Let's just hope none of us get caught up in their review process. Like I've said before, just very surprising they didn't have their act together before they started accepting these apps.

[android01]

Well, when I applied I had an 850 FICO 8 score and my application still went to manual review.  It took a week to find out that I was approved for 50K.  My income, although not all W-2, (most of it is on K-1 as distributions have a lower tax rate) justifies this CL.  So, someone looked at it and approved it manually.  I'm hoping since I was approved on manual review, I might not get the axe.  My statement cuts today, and is roughly 50% utilized this period.  I plan on paying it in full as soon as the statement cuts, which I normally don't watch so closely because it's a hidden TL.  I really like this card, and I hope I get to keep it.  

[longtimelurker]

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@baller4life wrote:
You're right. They can make whatever rules they like. Let's just hope none of us get caught up in their review process. Like I've said before, just very surprising they didn't have their act together before they started accepting these apps.

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Yes, I agree.  Seemed to be totally unprepared for the volume and the usage, especially of the Elite.

[baller4life]

I'm sure you'll be fine android since you were already manually reviewed. Awesome scores btw. I wanna be you when I grow up!

[09Lexie]

Playing Devil's Advocate - and not trying to raise any alarms-  has me wondering if the 'hidden tl' was enacted when they realized the approvals may have to be revoked.  I recall the concerns over OCCU and the closures reporting on CRs. 

Hopefully, we will learn more over the next few weeks. 

[Anonymous]

I didn't think 850 was possible. Congratulations! 

[baller4life]

Good point Lexie. I never even thought of that. I was in fact told by a supervisor that it would report after 60 days. Then it didn't report at all. Your theory makes alot of sense!!

[android01]

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@baller4life wrote:
I'm sure you'll be fine android since you were already manually reviewed. Awesome scores btw. I wanna be you when I grow up!

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Let's hope so.  Thanks for the compliment!  

[android01]

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@09Lexie wrote:

Playing Devil's Advocate - and not trying to raise any alarms-  has me wondering if the 'hidden tl' was enacted when they realized the approvals may have to be revoked.  I recall the concerns over OCCU and the closures reporting on CRs. 

Hopefully, we will learn more over the next few weeks. 

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I think the hidden TL was a result of that's the way it is for their business card customers, which is all they've had until they opened up the consumer card business.  I think it is just a continuation of their current reporting policies.  That might be another thing that changes.  

[09Lexie]

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@android01 wrote:

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@09Lexie wrote:

Playing Devil's Advocate - and not trying to raise any alarms-  has me wondering if the 'hidden tl' was enacted when they realized the approvals may have to be revoked.  I recall the concerns over OCCU and the closures reporting on CRs. 

Hopefully, we will learn more over the next few weeks. 

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I think the hidden TL was a result of that's the way it is for their business card customers, which is all they've had until they opened up the consumer card business.  I think it is just a continuation of their current reporting policies.  That might be another thing that changes.  

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I had a DC back in the 80's and cannot recall if it reported. But you are correct, their Business Division does not report.