Diners Club trade line😄

[red259]

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@Anonymous wrote:

I hope it never reports as i would like to keep this 15k hidden as i have already been denied by lenders twice for too much availble credit, last thing i want showing up on my crs is another 15k

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Yea with all those cards the last thing I would want is a new line showing up. 

[thom02099]

Mixed thoughts on whether it will report or not. 

On the one hand, it's nice to have another hidden tradeline.  One can run expenses through the card and not have it impact util, if one needs to carry a balance.  Also, not having a ding on score for a new TL is a plus.

On the other hand, it would be nice to have that TL with an additional $50K of credit available; would sure impact total util.  It was interesting to note that, the inquiry from DC on my TU account had absolutely no affect on my score. 

[chalupaman]

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

[Anonymous]

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@chalupaman wrote:

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

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It's a shame they won't do BT's though.

[baller4life]

Not sure I will keep it past the first yr. I HATE annual fees. Especially when rewards won't justify it. Not beneficial to me if it won't report. And with no BT option, can't even hide a balance. Dont feel too excited to carry a balance on 13% anyways. Oh well....

[BarryNTexas]

Yeah man!  What a wicked combo that would be... hidden with BT.  

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@Anonymous wrote:

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@chalupaman wrote:

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

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It's a shame they won't do BT's though.

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[Anonymous]

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@BarryNTexas wrote:

Yeah man!  What a wicked combo that would be... hidden with BT.  

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@Anonymous wrote:

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@chalupaman wrote:

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

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It's a shame they won't do BT's though.

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You don't really need a BT in order to shift your balance from one card to another, simply use the diners card for all your purchases, while using your income to pay off other card, you'd be able to pay off your card in no time with 100 % going to the card with the balance and your diners card will soak up all your purchases without revealing the balance to crs

[Anonymous]

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@Anonymous wrote:

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@BarryNTexas wrote:

Yeah man!  What a wicked combo that would be... hidden with BT.  

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@Anonymous wrote:

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@chalupaman wrote:

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

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It's a shame they won't do BT's though.

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You don't really need a BT in order to shift your balance from one card to another, simply use the diners card for all your purchases, while using your income to pay off other card, you'd be able to pay off your card in no time with 100 % going to the card with the balance and your diners card will soak up all your purchases without revealing the balance to crs

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Yes, but Interest charges!

BT at a promo rate vs Purchases at normal rate.

[BarryNTexas]

Already doing that... thanks

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@Anonymous wrote:

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@BarryNTexas wrote:

Yeah man!  What a wicked combo that would be... hidden with BT.  

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@Anonymous wrote:

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@chalupaman wrote:

I'm also having mixed feelings about this whole situation as well.

Having a hidden TL like that sounds great, but at the same time, I'm not sure whether I'd care to pay a $95 AF to have it. If I'm getting the card for rewards, I think I could do better with other cards. I really still want to have at least one card that has a 10K limit and it seems likely that I might be able to get that with this card so there's a positive but at the same time, it doesn't report. I'm almost at the 10K limit mark with one of my cards anyway, so I can also think to myself having a hidden 10K limit TL wouldn't be so bad because I can get my utilization down even further without it affecting my scores.

So yeah, many positives and negatives on both sides of the coin for me to consider now.

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It's a shame they won't do BT's though.

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You don't really need a BT in order to shift your balance from one card to another, simply use the diners card for all your purchases, while using your income to pay off other card, you'd be able to pay off your card in no time with 100 % going to the card with the balance and your diners card will soak up all your purchases without revealing the balance to crs

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[Anonymous]

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@Anonymous wrote:

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@BarryNTexas wrote:

Yeah man!  What a wicked combo that would be... hidden with BT.  

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It's a shame they won't do BT's though.

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You don't really need a BT in order to shift your balance from one card to another, simply use the diners card for all your purchases, while using your income to pay off other card, you'd be able to pay off your card in no time with 100 % going to the card with the balance and your diners card will soak up all your purchases without revealing the balance to crs

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That doesn't help to meet spend minimums