Diners Club Application

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
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takeshi
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Postby takeshi » Mon Jan 12, 2015 10:13 am

MB131174 wrote:I'm not sure how paying $25 per rental from AmEx is the same deal as getting it at no extra cost from Diners Club

Equivalence and worth are up to the individual to determine as everyone isn't in the same situation nor does everyone have the same preferences.

I wouldn't sign up for Diner's just for primary either since I rely on AmEx premium car rental coverage as well. YMMV of course.

$25 is certainly not the same as free but primary is primary. That said, one should always compare the terms. Part of the reason I use the AmEx premium coverage is that it include vehicles that I sometimes rent that are excluded by other policies.


MB131174
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Postby MB131174 » Fri Mar 06, 2015 5:53 pm

otter wrote:I posted something about that a while back. AFAIK... Discover is sort of the franchisor of Diners Club worldwide. Discover issuing the Diners Club in North America is an intriguing idea.

If I were the CEO of Discover, this is what I would do... somehow find BMO Harris has breached their agreement; I don't know the details about what kind of agreement Discover has with the Diners Club licensees, but you've got to believe there's something in there about mismanaging the brand. Proving BMO Harris hasn't done a good job with Diners would be rather easy to prove. I would then reissue the Diners Club as sort of a "Discover Plus card" running on the Discover network domestically and Diners internationally (forget the MC logo). Discover could have a real shot at competing with Amex in ways BMO Harris could never dream of.


**BUMP**

That's actually an interesting idea - Discover issuing it as a premium card to give AmEx a run for their money. With all the AmEx fails lately, timing would almost be perfect.

What I would do is put absolutely zero reference to Discover on the front, just a small logo on the back of the card. Run it over the Discover network here and DC overseas like mentioned. Live person answer without pressing anything to speak to someone. US call centers 24/7. APPLE PAY FOR THE LOVE OF GOD. A good, solid mobile app like Discover already has (I feel Discover has the best mobile app, hands down, in the cc industry). Keep chip & pin. Keep it zero FTF. Travel related bonus categories.

Am I asking too much?
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Brad Bishop
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Postby Brad Bishop » Sat Mar 07, 2015 7:51 am

MB131174 wrote:**BUMP**

That's actually an interesting idea - Discover issuing it as a premium card to give AmEx a run for their money. With all the AmEx fails lately, timing would almost be perfect.

What I would do is put absolutely zero reference to Discover on the front, just a small logo on the back of the card. Run it over the Discover network here and DC overseas like mentioned. Live person answer without pressing anything to speak to someone. US call centers 24/7. APPLE PAY FOR THE LOVE OF GOD. A good, solid mobile app like Discover already has (I feel Discover has the best mobile app, hands down, in the cc industry). Keep chip & pin. Keep it zero FTF. Travel related bonus categories.

Am I asking too much?


I think that trying to revive a dead brand (well, nearly dead) for the sake of nostalgia in a very small group of people is kind of a dead-end business idea.

If you look at the people who post here who are interested in credit cards, which in and of itself is a small subset of the population in that nearly everyone has a credit card but most people don't care too much about it as long as it's Visa/MasterCard/Amex/Discover and maybe pays them something back, and then you look at the subset of that subset who are interested in having a Diners Club card (again) it really becomes a small market.

While Discover or BMO could rise Diners from the dead you'd have to ask yourself what the benefit really was. I think Discover already has a premium card (Discover More - or something else). If not, it'd probably make more sense to build on the Discover brand than trying to resurrect the Diners Club brand. I think people would understand a credit card name like "Discover Select" as something new and geared as a premium credit card over Diners Club which would invoke more thoughts of, "Who uses Diners? I think my grandpa used to have one, back in the 1970s."

That being said, I like that Discover keeps their offerings limited. Right now I know of Discover It, Discover Miles, and I think there's Discover More. There may be one more but you can easily talk and discern the differences between them.

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otter
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Postby otter » Sat Mar 07, 2015 1:47 pm

I think MB hit the nail on the head when he talked about Amex fails lately. I think the US is ripe for another premium CC brand. If done right (and sorry BMO Harris isn't the right company to do it right), Diners could make Discover a lot more valuable as a company.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450



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