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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MB131174
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Diners Club Application

Postby MB131174 » Thu Jan 08, 2015 7:22 pm

So, it's been impossible to apply for a personal Diners Club since November because they've been making changes/improvements to the website. Or so they say. Does anyone else wonder if there could be more than that? Maybe another bank already buying up the Diners Club MasterCard that is issued by BMO Harris which is owned by Bank of Montreal? Personally, I'd love it if Discover scooped it up and reissued the cards with non-MasterCard numbers. Could probably issue them starting as 6011 as well, running over the Discover network here. Just a guess.
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popamode72
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Postby popamode72 » Thu Jan 08, 2015 9:09 pm

I don't think it's any more complicated than that. I don't even think they were even ready to roll out the card in the first place and really, I no longer have any interest in this card. For now, it sounds like a hidden TL with an AF that I wouldn't want to have.
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Postby Nixon » Thu Jan 08, 2015 9:41 pm

popamode72 wrote:I don't think it's any more complicated than that. I don't even think they were even ready to roll out the card in the first place and really, I no longer have any interest in this card. For now, it sounds like a hidden TL with an AF that I wouldn't want to have.


What's wrong with a hidden tradeline? You want the Chase Ink Cash don't you?
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popamode72
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Postby popamode72 » Thu Jan 08, 2015 10:00 pm

Nixon wrote:What's wrong with a hidden tradeline? You want the Chase Ink Cash don't you?


No AF on that one, better rewards. Simple.
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Postby Brad Bishop » Fri Jan 09, 2015 4:55 am

I used to have Diners and canceled it because of this (around 2004 or so):

It's a MasterCard with a pretty high annual fee.

The Diners Club symbol on it is really nothing more than nostalgia to me. I suppose you could find a place somewhere in the world that took Diners over MasterCard but it'd be tough. The other benefits, if they still offer them, were largely:
- Airport lounge access across the world! - Which sounds great until you realize that, in the USA, it was something like LAX and JFK so if you don't normally fly into or out of those airports then it means nothing to you.
- Primary insurance coverage for rental cars. This was nice but you can get the same deal from Amex - you just have to pay $25 for it for each rental.

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Postby thom02099 » Fri Jan 09, 2015 9:39 am

MB131174 wrote:So, it's been impossible to apply for a personal Diners Club since November because they've been making changes/improvements to the website. Or so they say. Does anyone else wonder if there could be more than that? Maybe another bank already buying up the Diners Club MasterCard that is issued by BMO Harris which is owned by Bank of Montreal? Personally, I'd love it if Discover scooped it up and reissued the cards with non-MasterCard numbers. Could probably issue them starting as 6011 as well, running over the Discover network here. Just a guess.


Interesting idea. I think, though, that if there were some merit to this, it would be all over the financial news websites and even the general interest websites, and would likely affect the stock prices of both. Haven't seen any of that happening.

I agree with Papamode that BMO Harris was not ready for the reaction to the re-introduction of the Diners Club cards to the masses. They were either unaware of or underestimated the power and swarm mentality of credit card message boards/forums. The general public as a whole probably has no concept of what's happened over the past several months, since the intro of the Diners Club cards.
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MB131174
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Postby MB131174 » Fri Jan 09, 2015 5:40 pm

Brad Bishop wrote:Primary insurance coverage for rental cars. This was nice but you can get the same deal from Amex - you just have to pay $25 for it for each rental.


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

Their lounges are more than LAX and JFK too. Mostly major airports, but still, way more than 2.

What I like about the card is it is true chip & PIN. That, plus the primary car rental insurance is the reason it's my go-to card when overseas now.
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Postby CC Deville » Fri Jan 09, 2015 9:15 pm

Discover isn't interested in issuing Diner's Club cards; they just wanted to own the network so that the Discover Card can be accepted world-wide.

BMO Harris was probably blind sided by how many people applied for the card and they decided to either make it an invitation-only product or had to do some major changes to their risk policy etc before they will allow applications again.

Most people born after 1984 have no idea what a Diner's Club card was/is. Let's face it, Citicorp/group destroyed Diner's years before they even added the MasterCard logo/account number.

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Postby ingramjuan » Fri Jan 09, 2015 9:30 pm

You are probably right. Still to this day I have never seen one.
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Postby otter » Fri Jan 09, 2015 10:55 pm

MB131174 wrote:So, it's been impossible to apply for a personal Diners Club since November because they've been making changes/improvements to the website. Or so they say. Does anyone else wonder if there could be more than that? Maybe another bank already buying up the Diners Club MasterCard that is issued by BMO Harris which is owned by Bank of Montreal? Personally, I'd love it if Discover scooped it up and reissued the cards with non-MasterCard numbers. Could probably issue them starting as 6011 as well, running over the Discover network here. Just a guess.


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.
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]
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