topic Re: Diners Club Card - Interesting fact in Credit Cards

Diners Club Card - Interesting fact

pipeguy — Thu, 09 Oct 2014 20:33:11 GMT

Just rec'd my new Diner's Club Mastercard todayand after setting up the account online I noticed that 100% of the credit limit is available as CASH. All of my other MC/V cards limit "cash" to 20% to 50% and I know this varies - 20 years ago your CL was typically all available as "cash" and I don't really know when this changed, but it's interesting to see that Diner's Club treats credit and cash as one in the same.

Re: Diners Club Card - Interesting fact

iwazl71 — Thu, 09 Oct 2014 20:47:50 GMT

Yeah, I noticed that too. How the hell do we pay the card, i dont see a menu for payments.

Re: Diners Club Card - Interesting fact

Anonymous — Thu, 09 Oct 2014 20:48:47 GMT

@iwazl71 wrote:
Yeah, I noticed that too. How the hell do we pay the card, i dont see a menu for payments.

You don't. It's free money!

Re: Diners Club Card - Interesting fact

iwazl71 — Thu, 09 Oct 2014 20:51:31 GMT

Jeez, how nice would that be....

Re: Diners Club Card - Interesting fact

pipeguy — Thu, 09 Oct 2014 20:52:40 GMT

@iwazl71 wrote:
Yeah, I noticed that too. How the hell do we pay the card, i dont see a menu for payments.

Heh, I didn't even bother to look for that since the only thing due is the AF - maybe you have to wait until an actual statement cuts.

Re: Diners Club Card - Interesting fact

Sooners2013 — Fri, 10 Oct 2014 02:53:22 GMT

Yiu have some interesting card info in your signature line. 24 cards with over 400,000 in credit lines. Would you mind listing those and giving us some of your stats such as scores, incomes, utilization and etc so everyone can learn. You must be doing something right.

Re: Diners Club Card - Interesting fact

revjamesl — Fri, 10 Oct 2014 02:56:00 GMT

What bureau did they pull when you applied?

Re: Diners Club Card - Interesting fact

pipeguy — Fri, 10 Oct 2014 02:59:31 GMT

@revjamesl wrote:
What bureau did they pull when you applied?

TU only (743)

Re: Diners Club Card - Interesting fact

jamesdwi — Fri, 10 Oct 2014 03:01:32 GMT

@pipeguy wrote:
Just rec'd my new Diner's Club Mastercard todayand after setting up the account online I noticed that 100% of the credit limit is available as CASH. All of my other MC/V cards limit "cash" to 20% to 50% and I know this varies - 20 years ago your CL was typically all available as "cash" and I don't really know when this changed, but it's interesting to see that Diner's Club treats credit and cash as one in the same.

my capitalone card allows me my full credit line as cash line, for only 10% more APR than my 11.9% APR... so its not unprecedented.

Re: Diners Club Card - Interesting fact

Ron1 — Fri, 10 Oct 2014 03:08:53 GMT

It is the same as my Diners Charge card. Did you get Paypass and EMV all in the same card?

Ron.

Re: Diners Club Card - Interesting fact

iwazl71 — Fri, 10 Oct 2014 04:36:11 GMT

yes. it has both.

@Ron1 wrote:
It is the same as my Diners Charge card. Did you get Paypass and EMV all in the same card?

Ron.

Re: Diners Club Card - Interesting fact

Ron1 — Fri, 10 Oct 2014 04:46:11 GMT

@iwazl71 wrote:
yes. it has both.
@Ron1 wrote:
It is the same as my Diners Charge card. Did you get Paypass and EMV all in the same card?

Ron.

Thanks it is good know. It is one of the two cards have both EMV and PayPass. The other one is HSBC Platinum MC.

Ron.

Re: Diners Club Card - Interesting fact

lg8302ch — Fri, 10 Oct 2014 05:20:26 GMT

@iwazl71 wrote:
yes. it has both.
@Ron1 wrote:
It is the same as my Diners Charge card. Did you get Paypass and EMV all in the same card?

Ron.

oh that is great news... can't wait until December to app

Re: Diners Club Card - Interesting fact

Anonymous — Fri, 10 Oct 2014 07:35:46 GMT

@pipeguy wrote:
@revjamesl wrote:
What bureau did they pull when you applied?
TU only (743)

Guess that shuts me out. 681 TU here.

Do they even have a No-AF card?

Re: Diners Club Card - Interesting fact

FinStar — Fri, 10 Oct 2014 12:46:21 GMT

@Anonymous wrote:
@pipeguy wrote:
@revjamesl wrote:
What bureau did they pull when you applied?
TU only (743)
Guess that shuts me out. 681 TU here.

Do they even have a No-AF card?

No.

Re: Diners Club Card - Interesting fact

takeshi74 — Fri, 10 Oct 2014 15:12:45 GMT

@pipeguy wrote:
All of my other MC/V cards limit "cash" to 20% to 50% and I know this varies

I know that one Visa that I have is 100%.

Re: Diners Club Card - Interesting fact

iwazl71 — Fri, 10 Oct 2014 15:15:07 GMT

@Anonymous wrote:
@pipeguy wrote:
@revjamesl wrote:
What bureau did they pull when you applied?
TU only (743)
Guess that shuts me out. 681 TU here.

Do they even have a No-AF card?

Not really, I have seen people with high 600s on TU that has been approved.

Re: Diners Club Card - Interesting fact

Anonymous — Fri, 10 Oct 2014 16:34:35 GMT

@iwazl71 wrote:
@Anonymous wrote:
@pipeguy wrote:
@revjamesl wrote:
What bureau did they pull when you applied?
TU only (743)
Guess that shuts me out. 681 TU here.

Do they even have a No-AF card?
Not really, I have seen people with high 600s on TU that has been approved.

What's their lowest AF? First year waived?

Re: Diners Club Card - Interesting fact

Happychap — Fri, 10 Oct 2014 16:50:12 GMT

My TU is close to 800 and 1% uti and high income, and I actually think I got declined for this card as they couldn't find my info when I called.

Re: Diners Club Card - Interesting fact

rlx01 — Fri, 10 Oct 2014 16:54:15 GMT

@Happychap: you need to ask to speak to the Lending Department.

I'm in the same boat as you. High everything... Not a word from BMO.

Turns out we're in a queue... That can be circumvented with a call.

It's pretty much amateur hour over there if you don't get an instant.