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Home › Society › Economy › Banking, Insurance & Loans › How to get a Dunkin' rewards account and how to use it?

How to get a Dunkin' rewards account and how to use it?

Started by Casey Jones2 · · 👁 4 views · 96 replies

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Participants Casey Jones2Richard Perez3Timothy Kim9Ronald Allendarkmaker94feralgardener63Charles Ramos7Bradley Smith11Robin Wright27Walter Ramirez3ironsurfer10Kimberly NguyenAngela Kelly11Jonathan Cox4urbangardenersilentowl7Dana JacksonJames Jackson9Taylor Doyle95wearyhawk7wiredlynx28Ryan Richardson3driftingdrifter88Kimberly Fisher4 …
Casey Jones2 Casey Jones2 NewcomerOP
4 messages
joined Oct 2007
#1 ·
So, here’s the situation—I was browsing through this one shop (not to give them free advertising, mind you!) and I noticed they’re offering something that sounds almost too good to be true: you can pay with a Dunkin' card in up to 12 interest-free installments, and they’ll even throw in a 10% discount on your total bill. It strikes me as incredibly suspicious.
Does anyone here have any insight into what the catch might be? Are we talking about hidden fees buried in the fine print, or is there some other kind of psychological trick at play? 😕

Thanks!
Richard Perez3 Richard Perez3 Active Member
215 messages
joined Dec 2014
#2 ·
Not even an issue. I’ve been paying it this way for like 6 years now. Honestly, the interest is basically peanuts—just a few bucks coming out of my account.
Casey Jones2 Casey Jones2 NewcomerOP
4 messages
joined Oct 2007
#3 ·
So, if that's the case, where exactly is Diners's profit coming from?
Timothy Kim9 Timothy Kim9 Active Member
100 messages
joined Jun 2007
#4 ·
In the fee 😁
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#5 ·
I’m the new guy in The Diners family, so if anyone could drop some tips 'n' tricks, I would be SUPER grateful! Honestly, I just got my card a few days ago, and now I'm kind of freaking out about messing something up. I mean, I get the basics—it's a credit card, you pay back what you agreed to in installments, and if there's interest, it's just whatever Diner's rate is set at, right? But I'm looking for those little details they don't exactly broadcast to you!
THNX! 😁
Casey Jones2 Casey Jones2 NewcomerOP
4 messages
joined Oct 2007
#6 ·
Ronald Allen said:I’m the new guy in The Diners family, so if anyone could drop some tips 'n' tricks, I would be SUPER grateful! Honestly, I just got my card a few days ago, and now I'm kind of freaking out about messing something up. I mean, I get the basics—it's a credit card, you pay back what you agreed to in installments, and if there's interest, it's just whatever Diner's rate is set at, right? But I'm looking for those little details they don't exactly broadcast to you!
THNX! 😁

Hey, could someone please tell me how long the whole card issuance process actually takes? I mean—from the moment you fill out the application and mail in the form until the physical card is sitting right there in your wallet. Just a rough estimate would be great. Thanks!
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#7 ·
I filled out my application online through the JPMorgan Chase website, and it took them about ten days or so. From what I heard, they have to run things internally with your employer to verify all the info you put on the form... Just give it a few extra days, more or less. 👍
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#8 ·
Hey, I'm starting a new thread here because I just picked up a student Diners Club card. Quick question: what's the minimum amount required to use an installment plan? I heard somewhere that it has to be more than $167, but is that actually true, or is it totally up to the merchant? Also, if my credit limit is, say, $1667, and I buy a laptop for $2000 using 12 monthly installments, does the part that exceeds my limit (that extra $333) get charged all at once next month, or is the whole thing spread out over the 12 months?
Anything else I should watch out for, like interest rates or random fees? Any info helps.🙂
feralgardener63 feralgardener63 Newcomer
1 message
joined Oct 2007
#9 ·
darkmaker94 said:Hey, I'm starting a new thread here because I just picked up a student Diners Club card. Quick question: what's the minimum amount required to use an installment plan? I heard somewhere that it has to be more than $167, but is that actually true, or is it totally up to the merchant? Also, if my credit limit is, say, $1667, and I buy a laptop for $2000 using 12 monthly installments, does the part that exceeds my limit (that extra $333) get charged all at once next month, or is the whole thing spread out over the 12 months?
Anything else I should watch out for, like interest rates or random fees? Any info helps.🙂

There is absolutely no way, man, because if your limit is 5000 then the total sum of everything you spend simply cannot exceed that number, otherwise you'll just get a little slip of paper telling you insufficient funds I've tried it myself and seen it happen firsthand. It won't even process online either. It really would be nice if it actually worked like that, wouldn't it?🙂
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#10 ·
feralgardener63 said:There is absolutely no way, man, because if your limit is 5000 then the total sum of everything you spend simply cannot exceed that number, otherwise you'll just get a little slip of paper telling you insufficient funds I've tried it myself and seen it happen firsthand. It won't even process online either. It really would be nice if it actually worked like that, wouldn't it?🙂

Got it. Thanks for the heads up.🙂
Charles Ramos7 Charles Ramos7 Regular
529 messages
joined Jul 2010
#11 ·
Casey Jones2 said:Hey, could someone please tell me how long the whole card issuance process actually takes? I mean—from the moment you fill out the application and mail in the form until the physical card is sitting right there in your wallet. Just a rough estimate would be great. Thanks!

The funniest thing about Diners Club is they’ll start spamming you with texts before you even see the physical card!
I only applied for it as a backup in case my American Express didn't come through. Once that arrives, I'll be canceling this one.
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#12 ·
I’ve been listening to all this noise about Diners Club, but honestly? I think it just comes down to self-control. Even that 11% interest rate isn't actually that terrifying if you aren't reckless...
It sounds kind of stupid because when you're young, you feel invincible. Like, if you have the cash upfront, who cares how you pay it back later? But man, you gotta be careful—you only live once... 😁
Anyway, I finally got my PIN for withdrawing cash from a Diners Club ATM today, but that’s exactly the kind of thing I’m never going to do. I got this card to make paying for stuff easier, not to pull out twenty bucks just to watch it hit my bill next month... 😲
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#13 ·
When I signed up for my American Express, I set my billing cycle to run from the 1st to the 7th of the month. But they just sent me my statement today on the 23rd, and it says the due date is November 27th.😕 That doesn't sit right with me. What happens if I wait until, say, December 5th to pay them? Am I going to get hit with interest?

P.S. Has anyone actually used that online bill pay option? Does that also charge those extra fees, like the ones you get when you're pulling cash out of an ATM?
Bradley Smith11 Bradley Smith11 Newcomer
1 message
joined Nov 2007
#14 ·
They’ll hit you with interest immediately. If you’re even a day late, they start circling. Ten days in, you get a formal notice in the mail, and if you don't pay up, they just tack on an extra fee for the trouble $10
Robin Wright27 Robin Wright27 Member
24 messages
joined Oct 2012
#15 ·
darkmaker94 said:When I signed up for my American Express, I set my billing cycle to run from the 1st to the 7th of the month. But they just sent me my statement today on the 23rd, and it says the due date is November 27th.😕 That doesn't sit right with me. What happens if I wait until, say, December 5th to pay them? Am I going to get hit with interest?

P.S. Has anyone actually used that online bill pay option? Does that also charge those extra fees, like the ones you get when you're pulling cash out of an ATM?

You can actually adjust your billing cycle through the American Express online portal...
It’s safe to assume they charge that 5% fee—similar to an ATM withdrawal... $333-$20 at least, that's my impression.
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#16 ·
Robin Wright27 said:You can actually adjust your billing cycle through the American Express online portal...
It’s safe to assume they charge that 5% fee—similar to an ATM withdrawal... $333-$20 at least, that's my impression.

Yeah, I know you can tweak the payment dates there. I actually did it the day before yesterday. Set my primary window from the 8th to the 14th, and my secondary one from the 1st to the 7th. But looking at when the next statement closes, it says December 19th. 🙄So basically, the bill is still hitting me at the end of the month.😠
Walter Ramirez3 Walter Ramirez3 Member
16 messages
joined Jan 2015
#17 ·
Quick question about American Express.

I feel a bit silly starting a new thread now, but I’m hoping someone might actually see this...

So, I have a student credit card that expires this April since it's tied to my standard American Express account. They’ll be sending out the new cards toward the end of March—both the regular one and the student credit card.

As of February 12th, my available credit is at zero, so I can still make purchases, but I was wondering if I could put something on a three-month installment plan? My reasoning is that the third payment would fall in April, right when my new cards arrive.

Does that change anything? I've been trying to call American Express all day, but nobody is picking up the phone. 😠
darkmaker94 darkmaker94 Regular
417 messages
joined Aug 2011
#18 ·
Walter Ramirez3 said:Quick question about American Express.

I feel a bit silly starting a new thread now, but I’m hoping someone might actually see this...

So, I have a student credit card that expires this April since it's tied to my standard American Express account. They’ll be sending out the new cards toward the end of March—both the regular one and the student credit card.

As of February 12th, my available credit is at zero, so I can still make purchases, but I was wondering if I could put something on a three-month installment plan? My reasoning is that the third payment would fall in April, right when my new cards arrive.

Does that change anything? I've been trying to call American Express all day, but nobody is picking up the phone. 😠

I reckon you can.
Btw, why aren't you in college yet? If you are, just grab a student credit card as your main one—it isn't tied to anything else, and your parents can set the limit. I’ve got one myself (just started freshman year) and my limit is $1667. The annual fee is only $17 a year.
ironsurfer10 ironsurfer10 Active Member
104 messages
joined Dec 2007
#19 ·
feralgardener63 said:There is absolutely no way, man, because if your limit is 5000 then the total sum of everything you spend simply cannot exceed that number, otherwise you'll just get a little slip of paper telling you insufficient funds I've tried it myself and seen it happen firsthand. It won't even process online either. It really would be nice if it actually worked like that, wouldn't it?🙂

That isn't actually the case. My limit is $1333, and I bought a laptop for $2667 using an installment plan, and everything went through perfectly fine.
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#20 ·
Walter Ramirez3 said:Quick question about American Express.

I feel a bit silly starting a new thread now, but I’m hoping someone might actually see this...

So, I have a student credit card that expires this April since it's tied to my standard American Express account. They’ll be sending out the new cards toward the end of March—both the regular one and the student credit card.

As of February 12th, my available credit is at zero, so I can still make purchases, but I was wondering if I could put something on a three-month installment plan? My reasoning is that the third payment would fall in April, right when my new cards arrive.

Does that change anything? I've been trying to call American Express all day, but nobody is picking up the phone. 😠

It doesn't matter, really, because your spending limit is tied to your main card anyway, so you're fine. As for Applebee's and their phone line, they changed their numbers. Try calling 4929-555 on a weekday between 8 AM and 8 PM. They're kind of behind the times when it comes to returning calls, so I guess you just have to be a bit more persistent...

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