topic Re: Diners Club Spouse Info in Credit Card Applications

Diners Club Spouse Info

-Cal- — Mon, 03 Nov 2014 03:42:50 GMT

I noticed on the application it mentions if you live in a community property state to provide your spouse's information (I live in CA). Out of curiosity what happens if you indicate that you're married and leave that info blank? Do they actually pull your spouse's credit also? Anyone have experience with this? I'm not a fan of that policy.

Re: Diners Club Spouse Info

ak_7vytr0 — Mon, 03 Nov 2014 04:01:48 GMT

From the few threads ive seen on diners so far.. the people that entered spouse info reported that reports were not pulled on spouse

Re: Diners Club Spouse Info

-Cal- — Mon, 03 Nov 2014 04:07:33 GMT

@ak_7vytr0 wrote:
From the few threads ive seen on diners so far.. the people that entered spouse info reported that reports were not pulled on spouse

Do you know if the explicitly stated not even a SP?

Re: Diners Club Spouse Info

ak_7vytr0 — Mon, 03 Nov 2014 04:28:40 GMT

Dont recall if they said not even a soft pull

Re: Diners Club Spouse Info

aav — Mon, 03 Nov 2014 05:20:45 GMT

I live in tx and app'd forDC last week. I called before applying. The rep said his info was purely informational and required by state law.. Seemed strange for me as we always apply separately. Hubby is going to app soon. I wonder if his info may be on file when he does. No hp was pulled - don't know if an sp was pulled. He doesn't subscribe to any paid services.

Re: Diners Club Spouse Info

rlx01 — Mon, 03 Nov 2014 05:35:07 GMT

This is yet another poorly implemented thing by Diners.

The state law thing is BS -- if that was the case why doesn't any other card issuer ask for those details?

Anyway, they don't SP the spouse. They have, however, issued AU cards for the spouse on a seemingly random basis. On the Elite that adds another $150.

Re: Diners Club Spouse Info

Anonymous — Mon, 03 Nov 2014 05:58:30 GMT

@rlx01 wrote:
This is yet another poorly implemented thing by Diners.

The state law thing is BS -- if that was the case why doesn't any other card issuer ask for those details?

Anyway, they don't SP the spouse. They have, however, issued AU cards for the spouse on a seemingly random basis. On the Elite that adds another $150.

They asked for this as well and didn't pull wife's credit. Lol.

IDC about an AU card as I did not specifically ask for one

Re: Diners Club Spouse Info

BarryNTexas — Mon, 03 Nov 2014 12:55:24 GMT

Had no pulls on my DW as a result like others have said.

Re: Diners Club Spouse Info

dilettante — Mon, 03 Nov 2014 13:49:05 GMT

I live in a community property state and listed all spouse's info and no HP was pulled from his CR.

Since I'm a SAHM who hasn't had an official employer in a long time and since I'm the one who decides which cc's to use and applies for cc's, I've had lots of experiences with different banks and can say Diner's is the only one who has asked so much detail about spouse on an initial app. Barclay's was the only other bank that asked details (husband's employer, how long at job, etc) but that was after I called when the app for the Arrival+ went into pending status. DH's credit report was not pulled for that one either.

I was approved for the Diners with a 50k CL (probably due to my 800+ credit score and high HHI), i didn't ask for an AU card and none has been issued.

Re: Diners Club Spouse Info

-Cal- — Mon, 03 Nov 2014 21:04:41 GMT

Thanks everyone for the information. Too bad I'm supposed to be in the "garden" =\

Re: Diners Club Spouse Info

Anonymous — Wed, 05 Nov 2014 23:51:10 GMT

@dilettante wrote:
I live in a community property state and listed all spouse's info and no HP was pulled from his CR.

Since I'm a SAHM who hasn't had an official employer in a long time and since I'm the one who decides which cc's to use and applies for cc's, I've had lots of experiences with different banks and can say Diner's is the only one who has asked so much detail about spouse on an initial app. Barclay's was the only other bank that asked details (husband's employer, how long at job, etc) but that was after I called when the app for the Arrival+ went into pending status. DH's credit report was not pulled for that one either.

I was approved for the Diners with a 50k CL (probably due to my 800+ credit score and high HHI), i didn't ask for an AU card and none has been issued.

I've never had a CC app ask this much detail either.

AMEX kept it at liquid assets and such.