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While I Was Away....

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K-in-Boston
Credit Mentor

Re: While I Was Away....


@FishingGuy wrote:

Way back in the day..... before EDC ( electronic draft capture ), when charges were processed manually/ paper based..... I loved Diners Club. 

 

Merchants would add up and hand in or mail their Visa / MC & Amex bills...... but received so few Diners Club transactions that they often did not process them for several months... often as much as six months later......  talk about "float"     

Ahhhh but those days are long gone....
So are two slices of pizza & a soda for $1.   and Gas @ under $1 a gallon.   ( ok  OK,  I'll stop now I sound like my Father )


Ha!  Even when I had a Diners Club (a "real one," for work), a lot of the places I would use it still used the knuckle-busters to make carbons.  As much as I want to tell you to get off my lawn (and bring me back some 10¢ hamburgers and penny candy) that was actually only at the turn of the century (the current one, obviously).

 

When I was a kid I did always look forward to one day having an Amex and a Carte Blanche. Never got the latter, but I went above and beyond with the former.  😂 

Message 11 of 23
UncleB
Credit Mentor

Re: While I Was Away....


@K-in-Boston wrote:

@FishingGuy wrote:

Way back in the day..... before EDC ( electronic draft capture ), when charges were processed manually/ paper based..... I loved Diners Club. 

 

Merchants would add up and hand in or mail their Visa / MC & Amex bills...... but received so few Diners Club transactions that they often did not process them for several months... often as much as six months later......  talk about "float"     

Ahhhh but those days are long gone....
So are two slices of pizza & a soda for $1.   and Gas @ under $1 a gallon.   ( ok  OK,  I'll stop now I sound like my Father )


Ha!  Even when I had a Diners Club (a "real one," for work), a lot of the places I would use it still used the knuckle-busters to make carbons.  As much as I want to tell you to get off my lawn (and bring me back some 10¢ hamburgers and penny candy) that was actually only at the turn of the century (the current one, obviously).

 

When I was a kid I did always look forward to one day having an Amex and a Carte Blanche. Never got the latter, but I went above and beyond with the former.  😂 


For what it's worth, I also had a OG Diner's Club (issued by Citi) in the late 90s... and I can't blame mine on my employer, it was a personal card. Smiley Embarassed

 

It was an interesting experience, and I got it mostly for the lolz but it did have some neat perks.  One that I really liked was the ability to pay in 60 days instead of 30 without penalty.

 

Every time I see folks post about the ICBC UnionPay card (or the recently defunct JCB Marukai card) I think back on my experience with Diner's Club, LOL.

Message 12 of 23
coldfusion
Community Leader
Mega Contributor

Re: While I Was Away....


@UncleB wrote:

 

Every time I see folks post about the ICBC UnionPay card (or the recently defunct JCB Marukai card) I think back on my experience with Diner's Club, LOL.


Sigh.  I had semi-planned late 2019 on making a long day trip via Acela (because LaGuardia is the suck) between Boston and NYC in late spring 2020 which included a stop at the ICBC branch in Chinatown.  COVID took care of that idea. :-/

(11/2024)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 13 of 23
wasCB14
Super Contributor

Re: While I Was Away....


@boosnark wrote:

Still waiting for that Carte Blanche application to open up again. Smiley LOL

 

One of my biggest mistakes was to cancel my Arrival+ during the pandemic, as part of my consolidation. On hindsight I should have kept that one.


What was the appeal?

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select
Message 14 of 23
NRB525
Super Contributor

Re: While I Was Away....

2014.

Diners Club "don't blink or you'll miss the app window"

Seven years now. Still a legend.

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
Message 15 of 23
805orbust
Valued Contributor

Re: While I Was Away....

Every time I saw a Diners Club card on the window stickers of a restaurant back in the 80's,  I always pictured someone like the Dos Equis guy (world's most interesting man?) from the ads and millions of memes.  Hilarious in hindsight.



Message 16 of 23
UncleB
Credit Mentor

Re: While I Was Away....


@805orbust wrote:

Every time I saw a Diners Club card on the window stickers of a restaurant back in the 80's,  I always pictured someone like the Dos Equis guy (world's most interesting man?) from the ads and millions of memes.  Hilarious in hindsight.


My experience 'back in the day' was even when those window stickers were displayed, the staff might not be aware the restaurant took the card since they had never seen one. 

 

One time I had to refer a server to the sticker at the front door of the restaurant... he actually went to check for himself, LOL. (He did finally just swipe the card, and it worked.)

 

That's why discussions on using UnionPay and JCB cards remind me of the old Diner's Club, since they can be similarly janky to use.

Message 17 of 23
805orbust
Valued Contributor

Re: While I Was Away....

@UncleB that's hilarious! Not to mention believable. Fact is, all those years I only saw a Diners Club used once. One of our buddies had one. You woulda thought he had a Mark McGwire rookie card in his wallet he was so proud of that thing. 😆



Message 18 of 23
shalimarcat
Regular Contributor

Re: While I Was Away....


@K-in-Boston wrote:

Barclaycard is definitely still around, they just don't have any exciting products that get talked about around here these days.

 

Amex began extending the timeline on their Welcome Offers at the start of the pandemic (including to recent applicants at the time).  It's not universal, though.  I just got a BBP a couple of months back and that was the standard 3 month time frame for spending.  And of course they extended the times right after I rearranged spend to hit a $20k Welcome Offer on Business Platinum!  I don't think manufactured spending had anything at all to do with it (they have introduced many other policies in recent years to help combat that), but rather it was due to uncertainly and perceptions regarding the economy, and initially rolled out as a relief measure for those that may have needed to drastically cut back spending.

 

Applications for new Diners Club MasterCard products ceased quite a while ago.  Existing cards are still being serviced.  True Diners Club charge cards have not existed in the US in quite a number of years.  As a brand, Diners Club still exists here and international cards are still accepted using the Discover network.


      Thanks for the information. Amex's increased time frames for their SUBs makes sense in light of the pandemic. I wonder if they will discontinue that when the pandemic ends. (I know some people think it will never end, but that's not true. All pandemics end.)  I read an article about Diner's Club that referred to it as a dinosaur, the "charge card that time forgot."  I worked in retail, restaurants, a fancy hotel, and banking and I have never seen one. 

Message 19 of 23
shalimarcat
Regular Contributor

Re: While I Was Away....


@Rockysocks wrote:

Hey, welcome back!!

 

On the other hand, the past two years have seen a few new rewards cards including, but DEFINITELY not limited to, the AOD CU 3% Visa, the US Bank Altitude Go, and the Citi Custom Cash.


   Thank you! 

Message 20 of 23
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