2nd Diners Club App?

insidious28 · ‎11-01-2014

Should I push my luck and aplly for a 2nd DC card? I recently got the premier and now contemplating applying for the Elite. But since then I have 2 other inquiries on my report and to new accounts also but none have been reported to my credit reports yet. You guys think the 2 inquiries after my DC inquiry will scare them off? I really want another in case they start reporting cause that would really help my DTI ratio. My scores are good just don't want to scare them off if they see my other inquiries and have a chance of them closing my current DC card down because of that. Any thoughts?

Starting Score: EQ 686, TU 722, EX 702
Current Score: EQ 838 (01/08/14 MyFico), TU 836 (01/14/14 Wally), EX 832 (01/14/14 FNBO)
Goal Score: 800+ Across The Board

Take the FICO Fitness Challenge

Anonymous · ‎11-01-2014

From the rumblings around, they do not seem to be INQ sensitive. If you can afford/justify the AF, Do It!

CreditMagic7 · ‎11-01-2014

@insidious28 wrote:
Should I push my luck and aplly for a 2nd DC card? I recently got the premier and now contemplating applying for the Elite. But since then I have 2 other inquiries on my report and to new accounts also but none have been reported to my credit reports yet. You guys think the 2 inquiries after my DC inquiry will scare them off? I really want another in case they start reporting cause that would really help my DTI ratio. My scores are good just don't want to scare them off if they see my other inquiries and have a chance of them closing my current DC card down because of that. Any thoughts?

Please do not hold me to this but you stand an equal chance for number 2 as well AFAIK. I added 3 new INQ's since first approved and apped for number 2 for the simple reason is a no-brainer IMO. They already pulled TU for the next one (Elite) and in the same manner like the first, i'm just putting it out of my mind now until i pick a day next week to check status. With what you just described, you can't scare them off especially since already approved for the first one.

FinStar · ‎11-01-2014

@Anonymous wrote:
From the rumblings around, they do not seem to be INQ sensitive. If you can afford/justify the AF, Do It!

+ If ~$400 is doable for you OP, go for it. Please note that AFs are not waived at all. No one knows for sure yet if these will report or not.

android01 · ‎11-01-2014

@FinStar wrote:
@Anonymous wrote:
From the rumblings around, they do not seem to be INQ sensitive. If you can afford/justify the AF, Do It!
+ If ~$400 is doable for you OP, go for it. Please note that AFs are not waived at all. No one knows for sure yet if these will report or not.

I've read in numerous places that this card WILL report in 60 days. I'll wait to see what happens! I'm hoping it doesn't, that it's a hidden TL.

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850

Anonymous · ‎11-01-2014

@android01 wrote:
@FinStar wrote:
@Anonymous wrote:
From the rumblings around, they do not seem to be INQ sensitive. If you can afford/justify the AF, Do It!
+ If ~$400 is doable for you OP, go for it. Please note that AFs are not waived at all. No one knows for sure yet if these will report or not.
I've read in numerous places that this card WILL report in 60 days. I'll wait to see what happens! I'm hoping it doesn't, that it's a hidden TL.

I hope it's not.

If the TL is hidden then the HP for it should be hidden too.

FinStar · ‎11-01-2014

I suppose we'll get to find out in the next 30-60 days since the folks who got approved in early to mid-September would be the first ones to see this.

taxi818 · ‎11-02-2014

@FinStar wrote:
I suppose we'll get to find out in the next 30-60 days since the folks who got approved in early to mid-September would be the first ones to see this.

There is thread. Someone already said it reported. After 60 days.

FinStar · ‎11-02-2014

@taxi818 wrote:
@FinStar wrote:
I suppose we'll get to find out in the next 30-60 days since the folks who got approved in early to mid-September would be the first ones to see this.
There is thread. Someone already said it reported. After 60 days.

Which thread??? Please provide link. The only other thread stated that they would report around that timeframe, no one's DCP/DCE new accounts have gone through the 60-day cycle yet. Case in point from my post above, it remains to be seen.

Anonymous · ‎11-02-2014

@taxi818 wrote:
@FinStar wrote:
I suppose we'll get to find out in the next 30-60 days since the folks who got approved in early to mid-September would be the first ones to see this.
There is thread. Someone already said it reported. After 60 days.

How about a link?