Re: Charge Card Issuers

FinStar · ‎07-31-2018

For the Diners Club and Carte Blanche purists, the placement of the MC logo was like blasphemy when Citibank made the network feature available for wider acceptance back in the day.

I was glad to have been able to get approved for the Diners Club CCs when applications were made available in 2014 (albeit that frenzy lasted for a month and a week) before things came to a screeching halt. Almost 4 years later, still not taking applications 😄.

NRB525 · ‎07-31-2018

The BMO Diners Club Cards are made with a special alloy:

Unobtainium

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

toadsworth · ‎07-31-2018

Isn’t the Von Maur card a charge card?

Kind of have everything I want now, creditwise. Undeliberately gardening until I have some spending to do and find a 100,000 Amex Platinum offer lol

Started my credit journey August 2016, after abstaining from credit for years after some poor financial choices in high school. Started with scores in the 580s. Current scores 11/6/18 - EQ: 754 TU: 757 EX: 743

From oldest to newest: DuPage CU Visa Platinum, SL 500 now 3750, Cap1 Platinum SL 300 PC'd to QS now 1600, Alliant Credit Union Share Secured Loan $500, Amex BCE SL 5000 now 600, Neiman Marcus SL 700 now 10000, Target RedCard SL 400 now 2900, Amex ED SL 10000 now 500 (combined with Cash Magnet), Chase AARP SL 800 now 3300, Chase Amazon Prime SL 1000 now 10000, Honda Lease, Discover it SL 1000 now 7000, Synchrony PayPal 2% CB SL 3000 now 10000, Barclays Uber Visa SL 800 now 2100, Citi ThankYou Preferred SL 3300 now 5300, Chase Ritz-Carlton SL 10000 now 1500 (moved to other cards to get annual fee refund), Comenity Total Rewards Visa SL 2000 now 3250, US Bank Cash+ SL 500 recon'd to 10000, US Bank Reserve LOC 1000, Union Bank Rewards Visa SL 5000 now 5000, Amex Cash Magnet SL 9900 now 20000, Cap1 Venture SL 10000 now 10000, Discover it 3000 SL now 4000, Amex SPG Luxury 3100 SL now 3100, Amex Amazon Business Prime 10000 SL now 10000, Amex Gold NPSL, US Bank Premier LOC 5000, US Bank Visa Platinum 5400 SL currently reconning

Combined revolving CL $135,300

Goal: Spring 2019 800+ club, $50,000 combined Amex limit

UncleB · ‎07-31-2018

I had a Citi-issued Diner's Club back in the day (late 90s), and I admit if it were still available I would give it a look if for no other reason than nostalgia. I also admit that nostalgia isn't a good reason to consider a card...

If Discover were to come out with a Diner's Club charge card it might be interesting (and worth a look), depending on the features.

K-in-Boston · ‎07-31-2018

@toadsworth wrote:
Isn’t the Von Maur card a charge card?

Yes! That was the one I was trying to think of on page 1. Department store not furniture.

FinStar · ‎07-31-2018

@K-in-Boston wrote:
@toadsworth wrote:
Isn’t the Von Maur card a charge card?
Yes! That was the one I was trying to think of on page 1. Department store not furniture.

Technically the Von Maur card is a revolving type of account, meaning it's not like an AmEx (NPSL) charge card where the entire balance is due when a statement cycles. It has an interest-free feature with a flexible payment schedule (depending on the amount of the balance).

My understanding is that it is coded as a charge card (i.e. "guidance line") as certain transactions may exceed a "preset" CL depending on account history and other factors.

Charge Card Issuers

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