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

Casey Jones2 · 2007-10-16T14:47:48+00:00

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 soun…

Ronald Allen Active Member

160 messages
joined Oct 2010

#41 · Feb 7, 2008

Robin Wright27 said:Thanks, Ronald, but you only live once. I've become so accustomed to living on credit that I don't even stress about it anymore; after all, the government is in debt, the whole world is in debt—so why worry? Let's just take it as it comes. Besides, I'm spending on essentials. You know the saying: things will look up eventually...

True. I started looking at life—and money—a bit differently about a year ago too. Like they say, you might as well dance while the music's playing. We should enjoy ourselves, but man, I really do wish we all had a better standard of living so we didn't have to lose sleep over every single monthly bill... 😉

Kimberly Nguyen Regular

543 messages
joined Jul 2009

#42 · Feb 7, 2008

Charles Ramos7 said:Finally got her back today!!! 🙂

Where on earth have you been? 🙂

Charles Ramos7 Regular

529 messages
joined Jul 2010

#43 · Feb 8, 2008

I thought I said I already returned my Diners Club card, but turns out I'm still hanging around somewhere in the North America! 🙂

Kimberly Nguyen Regular

543 messages
joined Jul 2009

#44 · Feb 8, 2008

you can just tell me 🙈 and 😵 and 🙂

Ronald Allen Active Member

160 messages
joined Oct 2010

#45 · Mar 30, 2008

Just found out something new; if you have a Diners Club card and you want to switch over to revolving payments, but you already bought stuff on an installment plan... well, when you make that switch, the remaining balance on those installments doesn't just roll into the revolving credit. You still have to keep paying off those old installments exactly like you were before.

Just figured I'd mention it in case nobody knew. I'm pretty new to all this, so I guess these little "details" matter... 😉

Angela Kelly11 Member

25 messages
joined Apr 2008

#46 · Apr 1, 2008

Ronald Allen said:Look, the point is we shouldn't be wasting money on every little thing. I mean, we’re only going to have to give up a few things for those three or four months anyway. We can manage... 😁
But, since I don't want to go totally off-topic, I wanted to mention that I was poking around that online payment thing for my Dunkin' bills today. It's honestly not even hard. Like, barely any effort at all and you're done. Sure, I'm one of those old-school guys who likes seeing a physical stamp and a signature on a paper receipt, but when my wife told me today that I don't even need to get bills sent through the mail anymore—that they just go into an electronic inbox when I log onto their website—I went ahead and messed around with it. All in all, it's pretty simple.

I've been paying this way ever since they rolled out the option, which was... maybe a year ago, or perhaps longer, I can't quite recall. You don't run into any issues with it. However, I still insist on receiving the paper bill in the mail, simply because having that hard copy sitting there among all my other bills that I pay through NET is the only way I can be absolutely certain I won't forget to settle it. My email inbox is such a chaotic mess that a digital notification would very easily and very quickly vanish from my sight... though, technically, you can pay the bill before it even arrives by mail, provided the statement has been generated, which you can check at any moment via your online account 😉.

Ronald Allen Active Member

160 messages
joined Oct 2010

#47 · Apr 1, 2008

I used to be such an old-school guy when it came to paying bills; I mean, I practically needed a physical stamp and a signature from some official somewhere just to feel sure my bills were actually settled. Then, online banking finally crashed into my life. Man, what a game changer! Now I just knock everything out at once, click, and save the NET confirmations straight to my email. Still, I can't quite bring myself to pay Diners through their site—I'll just stick to paying them directly from my bank account.

Angela Kelly11 Member

25 messages
joined Apr 2008

#48 · Apr 1, 2008

Ronald Allen said:I used to be such an old-school guy when it came to paying bills; I mean, I practically needed a physical stamp and a signature from some official somewhere just to feel sure my bills were actually settled. Then, online banking finally crashed into my life. Man, what a game changer! Now I just knock everything out at once, click, and save the NET confirmations straight to my email. Still, I can't quite bring myself to pay Diners through their site—I'll just stick to paying them directly from my bank account.

Look, when you use Diners Club, you’re essentially using your own bank account anyway 😉. What Dinersov actually does during the process is categorize the transaction as an online payment—which earns you those extra rewards points—and they provide this little pop-up window that looks like a total mess, but it's useful because you can just copy and paste the invoice number and amount into the fields on your banking site where the whole process eventually redirects you.
There isn't really any complicated logic or hidden risk involved here, it's just about getting those extra points 😁
...

Ronald Allen Active Member

160 messages
joined Oct 2010

#49 · Apr 1, 2008

Angela Kelly11 said:Look, when you use Diners Club, you’re essentially using your own bank account anyway 😉. What Dinersov actually does during the process is categorize the transaction as an online payment—which earns you those extra rewards points—and they provide this little pop-up window that looks like a total mess, but it's useful because you can just copy and paste the invoice number and amount into the fields on your banking site where the whole process eventually redirects you.
There isn't really any complicated logic or hidden risk involved here, it's just about getting those extra points 😁
...

Man, I guess I worded that wrong. Anyway, once my bill actually arrives, I'll go check, but I'm mostly wondering if I can just back out after I hit "pay" in the Diners Club app. And will Diners Club actually pull the money directly from the specific bank account I'm using? Because right now, I'm basically moving money from my account to a Dinersov account myself. But this other way... from what I gather, it pulls the funds straight from whichever bank account I choose to pay that specific bill. Feel free to set me straight if I've got that messed up... 😉

Angela Kelly11 Member

25 messages
joined Apr 2008

#50 · Apr 1, 2008

Ronald Allen said:Man, I guess I worded that wrong. Anyway, once my bill actually arrives, I'll go check, but I'm mostly wondering if I can just back out after I hit "pay" in the Diners Club app. And will Diners Club actually pull the money directly from the specific bank account I'm using? Because right now, I'm basically moving money from my account to a Dinersov account myself. But this other way... from what I gather, it pulls the funds straight from whichever bank account I choose to pay that specific bill. Feel free to set me straight if I've got that messed up... 😉

I wasn't exactly looking for an excuse to throw in the towel, but honestly, I think you might have just handed me one...
Diners Club isn't actually pulling money directly out of your account—I honestly don't think they even have a mechanism in place to do that—rather, you're the one initiating every single movement of funds through those mandatory steps on your bank's website, where you log in during the payment process using whatever security codes your token spits out... So, when you hit that "Pay" button on the Diners Club site, it just redirects you to the specific bank portal you selected beforehand, and that's where you have to perform all the standard authorization procedures to finalize the transaction. The Diners Club site is essentially just sitting in the background, logging the activity so they can credit you those extra reward points. I suspect the transaction might not even show up on their end until your next login, though I won't stake my reputation on that exact detail... Regardless, the actual "smoking gun" evidence is simply the record of the transaction completed within your primary bank's app. Which is exactly what you're looking at right now.

Ronald Allen Active Member

160 messages
joined Oct 2010

#51 · Apr 1, 2008

Angela Kelly11 said:I wasn't exactly looking for an excuse to throw in the towel, but honestly, I think you might have just handed me one...
Diners Club isn't actually pulling money directly out of your account—I honestly don't think they even have a mechanism in place to do that—rather, you're the one initiating every single movement of funds through those mandatory steps on your bank's website, where you log in during the payment process using whatever security codes your token spits out... So, when you hit that "Pay" button on the Diners Club site, it just redirects you to the specific bank portal you selected beforehand, and that's where you have to perform all the standard authorization procedures to finalize the transaction. The Diners Club site is essentially just sitting in the background, logging the activity so they can credit you those extra reward points. I suspect the transaction might not even show up on their end until your next login, though I won't stake my reputation on that exact detail... Regardless, the actual "smoking gun" evidence is simply the record of the transaction completed within your primary bank's app. Which is exactly what you're looking at right now.

Thnx! 👍
Fine, I'll give it a shot when my next bill hits, and then I'll let you know if it actually worked or not!

Jonathan Cox4 Member

22 messages
joined Apr 2008

#52 · Apr 23, 2008

Hey everyone, I have a question. To be clear, I don't actually own any of these types of cards yet. I’m looking to pick up a new computer worth roughly $4,000-$1500. Right now, my current debit card from Chase only allows me to split the cost into three interest-free installments, and that’s the only option I have. So, I've started considering getting a Diners Club or something similar. My main question is: if I sign up as a new customer, would I be able to put this computer on a 12-month installment plan? It costs more than my entire monthly paycheck, after all.

Angela Kelly11 Member

25 messages
joined Apr 2008

#53 · Apr 23, 2008

Jonathan Cox4 said:Hey everyone, I have a question. To be clear, I don't actually own any of these types of cards yet. I’m looking to pick up a new computer worth roughly $4,000-$1500. Right now, my current debit card from Chase only allows me to split the cost into three interest-free installments, and that’s the only option I have. So, I've started considering getting a Diners Club or something similar. My main question is: if I sign up as a new customer, would I be able to put this computer on a 12-month installment plan? It costs more than my entire monthly paycheck, after all.

A huge part of that really comes down to whether the specific retailer accepts that particular card for financing. There are certain stores where, during specific promotional periods, individual cardholders are offered the chance to split a purchase into 12 interest-free installments. Honestly, I don't think being a new customer makes much of a difference in that regard, but you should definitely check directly with the specific card provider... they aren't particularly concerned with how much you spend, as long as you pay your bills on time...😉

urbangardener Member

29 messages
joined Dec 2010

#54 · May 18, 2008

So, I finally pulled the trigger and picked up a Diners Club card, though it’s not one of those revolving credit ones, just a classic setup... they’re throwing in some pretty sweet perks right now, like no annual fee for the first year and a four-month grace period on payments...

It should be arriving in about two weeks...👍

urbangardener Member

29 messages
joined Dec 2010

#55 · May 29, 2008

I put in for my Diners Club card like two days ago, but there’s absolutely no PIN in the mail?!?!?

And then my buddy tells me I should have received the PIN by now too...

Plus, I honestly have zero clue what kind of credit limit they actually approved for me... 🤷

silentowl7 Member

33 messages
joined Dec 2007

#56 · May 29, 2008

I'm not totally sure, but with American Express or Mastercard, the PIN doesn't just show up with the card—it usually takes a few days, maybe 3 to 5... probably just a security thing so nobody can swipe it immediately. 🙂

I'd bet Diners Club does the exact same thing.
Regarding your credit limit, honestly, just call their customer service line and ask them directly what you're cleared for.

Also, if you grabbed a standard Diners Club card, I don't think there's even a spending limit—unlike American Express, unless I've got that wrong? There are cash advance limits, obviously, but for regular spending? Anyone know?

Good luck with the grind 😁

urbangardener Member

29 messages
joined Dec 2010

#57 · May 29, 2008

thanks

so my coworker just told me he actually got this official document sent straight to his house that lays out all the details, like his specific limits and everything else... he's not totally sure about the PIN situation, but he reckons it might have come in a separate mailing later on along with that paperwork...

darkmaker94 Regular

417 messages
joined Aug 2011

#58 · May 29, 2008

urbangardener said:I put in for my Diners Club card like two days ago, but there’s absolutely no PIN in the mail?!?!?

And then my buddy tells me I should have received the PIN by now too...

Plus, I honestly have zero clue what kind of credit limit they actually approved for me... 🤷

See, in my case, I got an alert first saying the card was ready and I should swing by Prague to pick it up. But since you're probably not in Washington, D.C., they just mailed it to you.🤷

Dana Jackson Newcomer

3 messages
joined May 2008

#59 · May 29, 2008

urbangardener said:I put in for my Diners Club card like two days ago, but there’s absolutely no PIN in the mail?!?!?

And then my buddy tells me I should have received the PIN by now too...

Plus, I honestly have zero clue what kind of credit limit they actually approved for me... 🤷

Look, they aren't gonna mail you some fancy statement showing your credit limit—that's not how this works. You gotta actually pick up the phone and call them if you want to know where you stand. 😂
Same thing happened to me—got my card in the mail and had zero clue what the credit limit actually was. It wasn't listed anywhere. Total joke.
The only way to check your daily cash withdrawal limit is through this site.

Check out this site: https://online.dunkin.com/Default.aspx

Just sign up for their online banking—you'll be able to see your balance and cash limits right there. As for that other limit? You’re gonna have to actually call them. Total pain. 😁
My PIN showed up like two days after the card hit my mailbox—classic.

urbangardener Member

29 messages
joined Dec 2010

#60 · May 29, 2008

thanks everyone for all the input, my PIN finally showed up in the mail today...

so I’m gonna give them a ring tomorrow about getting that loan approved

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

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