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Hope that Diners will be around in 5 yrs:(

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chalupaman
Super Contributor

Re: Hope that Diners will be around in 5 yrs:(


@pizza1 wrote:
Popa, I saw that! Sorry about the denials, that's stinksSmiley Sad I've been getting denied lately too, so its time to dig my heels in and stay firmly planted in the garden, I have too if I want to be successful at getting the cards I want later. Victory will once again be ours!! Lol!! Next year... When you are of age to apply to Diners... You would have had a whole another year of gardening and proving to them you need their card, and your scores with also be better too!! You can do it!!! Garden with us!!Smiley Happy

Sure thing. I think things will be much easier once I'm able to get that backdated BCE in January that will really help with my AAoA. Despite some of those denials of mine, I have gotten plenty of the cards I've always wanted to have and I couldn't be happier about that. I'm basically avoiding any EX pulls until January at least.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 11 of 21
lg8302ch
Senior Contributor

Re: Hope that Diners will be around in 5 yrs:(

Look at the bright side...you will learn not jump on each new card and train self discipline 😋

Message 12 of 21
mongstradamus
Super Contributor

Re: Hope that Diners will be around in 5 yrs:(

I was just curious here , which dc were you guys all applying for ?



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 13 of 21
lg8302ch
Senior Contributor

Re: Hope that Diners will be around in 5 yrs:(


@mongstradamus wrote:

I was just curious here , which dc were you guys all applying for ?


 

I am waiting/gardening to go for the lower AF one as the lounge benefit is what I will mainly use Smiley Happy

Message 14 of 21
mongstradamus
Super Contributor

Re: Hope that Diners will be around in 5 yrs:(


@lg8302ch wrote:

@mongstradamus wrote:

I was just curious here , which dc were you guys all applying for ?


 

i am waiting/gardening to go for the lower AF on as the lounge benefit is what I will mainly use Smiley Happy


I was taking an look see at the dc premeir, but i don't really see benefit over say spg. Educate me where i am missing what is so great about DC cards :-) 



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 15 of 21
-Cal-
Valued Contributor

Re: Hope that Diners will be around in 5 yrs:(


@mongstradamus wrote:

@lg8302ch wrote:

@mongstradamus wrote:

I was just curious here , which dc were you guys all applying for ?


 

i am waiting/gardening to go for the lower AF on as the lounge benefit is what I will mainly use Smiley Happy


I was taking an look see at the dc premeir, but i don't really see benefit over say spg. Educate me where i am missing what is so great about DC cards :-) 


I've been trying to figure out whats so great about the DC cards also. I glanced at their site and couldn't justify the AF. Can someone give me a breakdown please? I almost feel myfico-peer-pressured into applying for it.

Message 16 of 21
pizza1
Community Leader
Super Contributor

Re: Hope that Diners will be around in 5 yrs:(

Mongs.... The whole Diners hysteria I think was about the big limits they were handing out... Like, duck-beaver-NASA. Most of everyone was applying for the premier $95af. Since I don't have Amex, and not qualified to have one for several yrs due to my bk, I'm not qualified to compare the two for you... Premier vs SPG....
Message 17 of 21
lg8302ch
Senior Contributor

Re: Hope that Diners will be around in 5 yrs:(

lounge access at affordable AF, no FTF, on a useful network (not like Amex or Diners int'l) ...these are the main benefits and well worth to pay the AF for me Smiley Happy  4 - 5 x lounge access at home airport per month and many other destinations make this card valuable to me. Star Gold lounge is not as nice as Diners lounge ..lol

Message 18 of 21
Anonymous
Not applicable

Re: Hope that Diners will be around in 5 yrs:(


@pizza1 wrote:

Don't get me wrong, I'm very happy for everyone whose gotten approved lately with the Diners Club madness, and I'm a bit jealous, lol!! I have a 1 yro BK7 with all my accounts that were IIB still showing and won't be off reports till 2019. (Sighs heavily).... Hope the Diners card is still available to apply for thenSmiley Sad they may take it off the market again like they did before they just recently reintroduced the cards back. I'm afraid that they are going to do this again after the mass hysteria and thousands of approvals from all the credit boards, and ill miss my opportunity to apply. Oh well...I guess I could always try and apply, knowing ill be declined and then try to recon on the grounds that I want their card BAD, and want it before they quit taking apps again for several years lol! 


I agree.

 

I've asked myself the question if the relatively loose U/W right now is just to garner the MAX amount of AF paying cardmembers Q1 of re-opening new apps.

I'm holding back on this one as I have enough AF cards already.

Message 19 of 21
taxi818
Super Contributor

Re: Hope that Diners will be around in 5 yrs:(

You're hoping in 5 years. I'm hoping 3 months after I can apply. They are the worlds  first credit card after all. But when myfico members get done with. May be nothing left. As far as resources. Smiley Embarassed

Message 20 of 21
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