topic Re: Help me stay in the Garden... (Diners Club related) in Credit Cards

Help me stay in the Garden... (Diners Club related)

-Cal- — Tue, 04 Nov 2014 03:10:03 GMT

I just went into the Garden a few days ago but I'm having a hard time convincing myself not to apply for Diner's Club... The one thing that keeps me from doing it is that I cannot justify the AF. I have a feeling I'm going to come across another success story and just say F-it and apply.

Where's my support group!?

Re: Help me stay in the Garden... (Diners Club related)

Anonymous — Tue, 04 Nov 2014 03:24:18 GMT

With the cards you already have what does Diners offer you? Plant some corn

Re: Help me stay in the Garden... (Diners Club related)

Anonymous — Tue, 04 Nov 2014 03:27:40 GMT

but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!

Re: Help me stay in the Garden... (Diners Club related)

PandiferBear — Tue, 04 Nov 2014 03:36:55 GMT

GET BACK IN THE GARDEN!!!!! If you question the annual fee and whether it is worth it for your spend, then leave it alone for now. Do NOT make me put up an electric fence!!!!!

Re: Help me stay in the Garden... (Diners Club related)

Luscher — Tue, 04 Nov 2014 03:38:15 GMT

Don't visit this forum is a start! it helped me in the past

Re: Help me stay in the Garden... (Diners Club related)

-Cal- — Tue, 04 Nov 2014 03:38:37 GMT

@Anonymous wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!

Besides the WEMC logo and the AF what benefits does this card offer over the Premiere? Your statement has been my mindset.

Re: Help me stay in the Garden... (Diners Club related)

tcbofade — Tue, 04 Nov 2014 03:44:21 GMT

This is me, helping you stay in the garden...please remember, you asked.

Gardening is a decision NOT to apply for new lines of credit. Period. You're going to see lots of options and opportunities to apply for the next bigger better credit card.

Why are you in the garden? Have you accomplished what you set out to?

Gardening is also a means to an end. If applying for the new card will earn or save you dollars, it might make sense for you.

Whatever you decide, don't decide in a hurry. Diners club will still be there next week....and so will the garden.

Re: Help me stay in the Garden... (Diners Club related)

Anonymous — Tue, 04 Nov 2014 03:47:12 GMT

@-Cal- wrote:
@Anonymous wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!
Besides the WEMC logo and the AF what benefits does this card offer over the Premiere? Your statement has been my mindset.

I think the difference would be the rewards, with 300 annual fee and fancy WEMC logo, you get Earn 3 points per dollar spent at gas stations, grocery stores, and drug stores, while 95 annual fee premier is 1 points per dollar spent for every purchase.

you can get more info here

Re: Help me stay in the Garden... (Diners Club related)

NRB525 — Tue, 04 Nov 2014 06:01:37 GMT

If you just went into the garden, that implies you think you've had enough applications recently and it is bad form to do too many HP.

So by applying for DC, you force the situation of "too many HP", find out if anything materializes from it, and have two possible outcomes:

1) You DON'T get a card, get a denial, and learn that, yes you did too many recent applications, then you will be able to garden without remorse.

2) You DO get a card, determine that it's probably a good credit limit, and can relax and garden without remorse.

Is that helping you to not apply?

Re: Help me stay in the Garden... (Diners Club related)

Hockeyplayrr — Tue, 04 Nov 2014 06:14:49 GMT

go for it. I am a firm believer in apping to your hearts content.

Re: Help me stay in the Garden... (Diners Club related)

mongstradamus — Tue, 04 Nov 2014 06:18:07 GMT

I throw in my two cents, if you don't know if AF is worth it, i assume you don't really know how you would use your card to maximize your spending? You probably should take an step back and do some more research on the card if its an card you would actually use to make it worth the really high AF. Another thing to note about DC cards is they don't have any signup bonuses , so you would really have to put an lot of spend on that card to make it worth while if you are worried about Annual fee.

Re: Help me stay in the Garden... (Diners Club related)

Hockeyplayrr — Tue, 04 Nov 2014 06:21:35 GMT

a thing to note. If you try to use points for statement credit they are only worth around 6/10 of a penny. only worth 1 cent a piece if you apply it toward an annual fee. Best thing is to transfer the points. (this is based on redemeptions for the professional cards, nothing has been rolled out for the consumer cards yet)

Re: Help me stay in the Garden... (Diners Club related)

Anonymous — Tue, 04 Nov 2014 06:30:29 GMT

If it helps you at all, I was approved for Diners with TONS of INQS and more than a few new accounts opened in the past 3 months, so if you are worried about that, don't be.

From your sig, it looks like the majority of your cards are no AF cards. You have to decide if another AF is worth it to you.

My 2 pennies

Re: Help me stay in the Garden... (Diners Club related)

-Cal- — Tue, 04 Nov 2014 06:54:34 GMT

@mongstradamus wrote:
I throw in my two cents, if you don't know if AF is worth it, i assume you don't really know how you would use your card to maximize your spending? You probably should take an step back and do some more research on the card if its an card you would actually use to make it worth the really high AF. Another thing to note about DC cards is they don't have any signup bonuses , so you would really have to put an lot of spend on that card to make it worth while if you are worried about Annual fee.

Very good point. I rather have the Arrival+ instead of the Premiere and the Ritz Carlton/Citi Prestige instead of the Elite.

Re: Help me stay in the Garden... (Diners Club related)

lg8302ch — Tue, 04 Nov 2014 07:23:48 GMT

RedMiniStapler wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!

You are a "good support" ..... OP I know how you feel as I want that card soooo badly but I stick to my plan..no apps within 6 months of another app and therefore forced myself to garden any further. The good thing is that now I have time to think about which one to apply for when I am ready. DCP or DCE and tend to go for the DCE and eat the hefty AF on that one. Stay strong - you can do it !

Re: Help me stay in the Garden... (Diners Club related)

Anonymous — Tue, 04 Nov 2014 09:15:58 GMT

@lg8302ch wrote:
RedMiniStapler wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!
You are a "good support" ..... OP I know how you feel as I want that card soooo badly but I stick to my plan..no apps within 6 months of another app and therefore forced myself to garden any further. The good thing is that now I have time to think about which one to apply for when I am ready. DCP or DCE and tend to go for the DCE and eat the hefty AF on that one. Stay strong - you can do it !

So what is the real attraction behind this card other than the large credit limits that most people seem to be getting?

Is there some hidden perk / feature that I am missing?

if it is just the huge CLs, what's to guarantee that the issuing bank (BMO Harris) will not reverse course and start cancelling cards or reducing limits? That happened to the Duck card last year.

Re: Help me stay in the Garden... (Diners Club related)

taxi818 — Tue, 04 Nov 2014 13:37:54 GMT

@-Cal- wrote:
I just went into the Garden a few days ago but I'm having a hard time convincing myself not to apply for Diner's Club... The one thing that keeps me from doing it is that I cannot justify the AF. I have a feeling I'm going to come across another success story and just say F-it and apply.

Where's my support group!?

I say do it. Ge it out of your system. I will pay AF for 30k line.

Re: Help me stay in the Garden... (Diners Club related)

taxi818 — Tue, 04 Nov 2014 13:39:33 GMT

@lg8302ch wrote:
RedMiniStapler wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!
You are a "good support" ..... OP I know how you feel as I want that card soooo badly but I stick to my plan..no apps within 6 months of another app and therefore forced myself to garden any further. The good thing is that now I have time to think about which one to apply for when I am ready. DCP or DCE and tend to go for the DCE and eat the hefty AF on that one. Stay strong - you can do it !

Funny. Lmao

Re: Help me stay in the Garden... (Diners Club related)

NRB525 — Tue, 04 Nov 2014 13:56:54 GMT

@Anonymous wrote:
@lg8302ch wrote:
RedMiniStapler wrote:
but... but.... look at how purdy the card is, with the emv chip and all, ya know... the whole real chip & pin card. just one more app wouldn't kill you. make this your last app of 2014! go out with a bang!
You are a "good support" ..... OP I know how you feel as I want that card soooo badly but I stick to my plan..no apps within 6 months of another app and therefore forced myself to garden any further. The good thing is that now I have time to think about which one to apply for when I am ready. DCP or DCE and tend to go for the DCE and eat the hefty AF on that one. Stay strong - you can do it !
So what is the real attraction behind this card other than the large credit limits that most people seem to be getting?
Is there some hidden perk / feature that I am missing?

if it is just the huge CLs, what's to guarantee that the issuing bank (BMO Harris) will not reverse course and start cancelling cards or reducing limits? That happened to the Duck card last year.

Access to 500 airport lounges, mostly overseas. Chip + PIN, not the lame signature primary, 13.15% APR, no FX fee (expected with the AF). These are benefits of both cards, so $95 AF gets them too.

Re: Help me stay in the Garden... (Diners Club related)

MissMoni223 — Tue, 04 Nov 2014 15:13:41 GMT

@Anonymous wrote:
With the cards you already have what does Diners offer you? Plant some corn

Leave it where it is and hunker down in the garden. Winter is a coming!!!