Diners Club ... easy to get?

[MyDataMyChoice]

Diners Club ... easy to get?

FICO is 675

27% UTIL

AAoA 3 years

Inquirys (well lets not go there.... ).... between personal app spree... and three business... i have quite a few

1 account showing 30 day late (as recent as June 2014) (that account is maxed out)

[ak_7vytr0]

I was at 10 inqs.. around same aaoa as u.. an unpaid collecton from 2010... I got the elite for 15k.. think u have a good shot

[FinStar]

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@JTC403 wrote:

Diners Club ... easy to get?

FICO is 675

27% UTIL

AAoA 3 years

Inquirys (well lets not go there.... ).... between personal app spree... and three business... i have quite a few

1 account showing 30 day late (as recent as June 2014) (that account is maxed out)

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This ^^^^ might be a potentially set back.  Only way to find out is when you apply OP.  The 7-15 day message is not always approval though, just FYI.

[Anonymous]

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@FinStar wrote:

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@JTC403 wrote:

Diners Club ... easy to get?

FICO is 675

27% UTIL

AAoA 3 years

Inquirys (well lets not go there.... ).... between personal app spree... and three business... i have quite a few

1 account showing 30 day late (as recent as June 2014) (that account is maxed out)

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This ^^^^ might be a potentially set back.  Only way to find out is when you apply OP.  The 7-15 day message is not always approval though, just FYI.

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+1

I'm waiting till tomorrow after therapy to call

[toi34]

I applied on October 15th, got the 7-15 day message and have heard NOTHING, not a peep -- no denial, no pin and no card...NADA??? I cannot call during the day because I work practically non-stop from between 8-4pm with only small breaks in between (definitely not enough time to be transferred around and placed back and forth on hold). My TU was/is mid-670's, no late payments in 2 years, 4 year AAOA, 1 unpaid collection from 2008, no BK ever, new accounts within the last 12 months. IDK.... I may have to call them from my car on my way to work if I dont hear back by Friday of this week???

[Anonymous]

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@toi34 wrote:

I applied on October 15th, got the 7-15 day message and have heard NOTHING, not a peep -- no denial, no pin and no card...NADA??? I cannot call during the day because I work practically non-stop from between 8-4pm with only small breaks in between (definitely not enough time to be transferred around and placed back and forth on hold). My TU was/is mid-670's, no late payments in 2 years, 4 year AAOA, 1 unpaid collection from 2008, no BK ever, new accounts within the last 12 months. IDK.... I may have to call them from my car on my way to work if I dont hear back by Friday of this week???

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You've been more patient than I. I have a similar profile, except I have no lates in 5 years, 3yr+ AAoA at time of app, two unpaid C/O's from 2008 with no BK, and a bevy of new accounts this year. TU FICO at time of app was between 684 and 686.

[taxi818]

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@Anonymous wrote:

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@toi34 wrote:

I applied on October 15th, got the 7-15 day message and have heard NOTHING, not a peep -- no denial, no pin and no card...NADA??? I cannot call during the day because I work practically non-stop from between 8-4pm with only small breaks in between (definitely not enough time to be transferred around and placed back and forth on hold). My TU was/is mid-670's, no late payments in 2 years, 4 year AAOA, 1 unpaid collection from 2008, no BK ever, new accounts within the last 12 months. IDK.... I may have to call them from my car on my way to work if I dont hear back by Friday of this week???

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You've been more patient than I. I have a similar profile, except I have no lates in 5 years, 3yr+ AAoA at time of app, two unpaid C/O's from 2008 with no BK, and a bevy of new accounts this year. TU FICO at time of app was between 684 and 686.

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I think I will call today since other poster got info in 2 days. 

Profile

tu fico 692 time of app

1 4 year old collection paid in full. Only baddie. 

AA of A  down to 6 months. Due due gazillion approvals thus year. If not approved no problem. No need to sweat it. 

[cflowers0115]

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@toi34 wrote:

I applied on October 15th, got the 7-15 day message and have heard NOTHING, not a peep -- no denial, no pin and no card...NADA??? I cannot call during the day because I work practically non-stop from between 8-4pm with only small breaks in between (definitely not enough time to be transferred around and placed back and forth on hold). My TU was/is mid-670's, no late payments in 2 years, 4 year AAOA, 1 unpaid collection from 2008, no BK ever, new accounts within the last 12 months. IDK.... I may have to call them from my car on my way to work if I dont hear back by Friday of this week???

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You know they are open 24/7, right? Give em a call after 4 pm. 

[b_diddy]

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@cflowers0115 wrote:

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@toi34 wrote:

I applied on October 15th, got the 7-15 day message and have heard NOTHING, not a peep -- no denial, no pin and no card...NADA??? I cannot call during the day because I work practically non-stop from between 8-4pm with only small breaks in between (definitely not enough time to be transferred around and placed back and forth on hold). My TU was/is mid-670's, no late payments in 2 years, 4 year AAOA, 1 unpaid collection from 2008, no BK ever, new accounts within the last 12 months. IDK.... I may have to call them from my car on my way to work if I dont hear back by Friday of this week???

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You know they are open 24/7, right? Give em a call after 4 pm. 

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+1

[BarryNTexas]

My understanding was that the CSRs are 24/7 but Lending Services (UW) are M-F 8am-5pm Central.  I might be wrong.  Good Luck!