topic Re: Diners Club - awesome CL! in Credit Card Approvals

Diners Club - awesome CL!

AzaleaB — Tue, 07 Oct 2014 18:39:27 GMT

I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:

-6-figure income

-TU08 score: 780

-# of TU inqs: 4 (one dropping off this month)

-# of CC apps in past 6 months: 0

-CU: <6%

Re: Diners Club - awesome CL!

Anonymous — Tue, 07 Oct 2014 18:42:26 GMT

Awesome huge credit line! Congrats.

Re: Diners Club - awesome CL!

Anonymous — Tue, 07 Oct 2014 18:47:48 GMT

Congrats!.....Thanks for sharing...

Re: Diners Club - awesome CL!

s_haliz — Tue, 07 Oct 2014 19:04:00 GMT

Congrats!!!

Re: Diners Club - awesome CL!

itguy_65 — Tue, 07 Oct 2014 19:18:39 GMT

Congrats on the approval!!

Re: Diners Club - awesome CL!

alvon123 — Tue, 07 Oct 2014 19:22:12 GMT

WOW!!!! Nice limit!!! congrats!

Re: Diners Club - awesome CL!

12njoy — Tue, 07 Oct 2014 21:30:26 GMT

@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Super!!

Re: Diners Club - awesome CL!

coldnmn — Tue, 07 Oct 2014 22:09:39 GMT

Congrats! Thanks for sharing.

Re: Diners Club - awesome CL!

IWOL — Tue, 07 Oct 2014 22:21:36 GMT

@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congrats on your approval and great limit. It seems that perhaps they are basing the limits on income and score more than existing limits. What was your previous highest limit?

Re: Diners Club - awesome CL!

Anonymous — Tue, 07 Oct 2014 22:23:51 GMT

Congrats, nice limit

Re: Diners Club - awesome CL!

AzaleaB — Tue, 07 Oct 2014 22:46:29 GMT

@IWOL wrote:
@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congrats on your approval and great limit. It seems that perhaps they are basing the limits on income and score more than existing limits. What was your previous highest limit?

In my case (others may be different) probably true. My second highest limit is just 12K primarily I think because I applied for too many CCs in a short period of time (8 CCs in 5 months). I finally realized I needed to just garden for a while.

Re: Diners Club - awesome CL!

12njoy — Tue, 07 Oct 2014 22:58:26 GMT

@AzaleaB wrote:
@IWOL wrote:
@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congrats on your approval and great limit. It seems that perhaps they are basing the limits on income and score more than existing limits. What was your previous highest limit?

In my case (others may be different) probably true. My second highest limit is just 12K primarily I think because I applied for too many CCs in a short period of time (8 CCs in 5 months). I finally realized I needed to just garden for a while.

+1 I need to garden seriously, but can't bring myself to do it.

Re: Diners Club - awesome CL!

One7 — Wed, 08 Oct 2014 04:35:53 GMT

Wow! Awesome limit!

Re: Diners Club - awesome CL!

Tony275 — Wed, 08 Oct 2014 09:21:23 GMT

Awesome CL!! Congrats!

Re: Diners Club - awesome CL!

Kenny — Wed, 08 Oct 2014 11:28:24 GMT

@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congratulations on your approval! Thanks for sharing. Wow!! Very nice!

Re: Diners Club - awesome CL!

MissMoni223 — Wed, 08 Oct 2014 13:36:08 GMT

CONGRATS on your Diners Club approval!!!

Re: Diners Club - awesome CL!

dabo1502 — Thu, 09 Oct 2014 23:52:19 GMT

@IWOL wrote:
@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congrats on your approval and great limit. It seems that perhaps they are basing the limits on income and score more than existing limits. What was your previous highest limit?

I'm not sure CL is based on income>. I too was approved for $40K. See info below:

Income - $60K

EX Fico - 774

EQ Fico - 773

TU Fico - 773

AAoA - 5.5 yrs

CUtil - <7%

Re: Diners Club - awesome CL!

12njoy — Fri, 10 Oct 2014 00:48:22 GMT

@dabo1502 wrote:
@IWOL wrote:
@AzaleaB wrote:
I was gardening hoping for auto CLIs on a couple of cards but I really wanted the Diners Club card - mainly for the perks. I app'ed for the Premier card last Saturday and was instantly approved but I didn't know the CL. I was hoping for 15-20K or at least 10K. I couldn't wait for the letter and called today to find out the CL. The CSR found my acct and the CL is 40K! I was so shocked I asked her if she was sure. Sheesh, now I wish I had gone for the Elite card.

FYI, my stats:
-6-figure income
-TU08 score: 780
-# of TU inqs: 4 (one dropping off this month)
-# of CC apps in past 6 months: 0
-CU: <6%

Congrats on your approval and great limit. It seems that perhaps they are basing the limits on income and score more than existing limits. What was your previous highest limit?

I'm not sure CL is based on income>. I too was approved for $40K. See info below:

Income - $60K
EX Fico - 774
EQ Fico - 773
TU Fico - 773
AAoA - 5.5 yrs
CUtil - <7%

@I think it's more based on score, income and amount of credit available. I just received my card today @15k. I also just received my TU FICO from BofA which has it at 762. I tried to do a cli with Diners and was denied due to income and amount of credit available. The lending team actually called me back with the decision. As you see in my Ziggy I have a lot of available credit, but I'm happy to get the 15k from them.