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

urbangardener said:So, the lady over at Dunkin' told me my approved credit limit is basically right around what I pull in on my pay stubs... so we're looking at roughly $1200...

She also gave me this specific number to call before I go out and drop any serious cash on my Dunkin' card, just to give them a heads-up... she even used a TV from $2333 as an example, saying if I'm planning on financing something that pricey, I should probably check in with them first...

Now I'm wondering, I'm actually thinking about putting my gas expenses on a 36-month plan pretty soon, since the total comes to $2933, which works out to about $82 monthly with zero interest... honestly, let's just say $93 per month...

Is that actually doable? I mean, what does a credit limit actually mean in practice... does having $1200 mean my monthly payments can't go over $1200, or am I allowed to buy stuff as long as the total value doesn't exceed $1200?

Ronald Allen said:Look, if you grabbed a charge card like I did, here’s how it actually works; $1200 you've got a monthly spending limit—that's what hits your bill next month—and then there's that other number they gave you, which is just for authorizing installment plans (I used mine for a few things).
Your total balance is basically whatever you spent against both limits (like, say you blew $833 on random stuff this month and bought something on a payment plan where the monthly chunk is about $67; that brings you to $900) and that whole amount is what you owe next month.
Obviously, if you load up on too many installments and your total monthly payments hit maybe $333, just assume you only have about 2600 left for your everyday spending (since 3600 limit minus that 1000 installment bit).
Just a little heads-up though, don't ever count on having the full amount available. I once thought I still had like $167 left, walked into a Target and 🙈
If you need anything else, just ask! 😉

Ronald Allen said:Look, if you grabbed a charge card like I did, here’s how it actually works; $1200 you've got a monthly spending limit—that's what hits your bill next month—and then there's that other number they gave you, which is just for authorizing installment plans (I used mine for a few things).
Your total balance is basically whatever you spent against both limits (like, say you blew $833 on random stuff this month and bought something on a payment plan where the monthly chunk is about $67; that brings you to $900) and that whole amount is what you owe next month.
Obviously, if you load up on too many installments and your total monthly payments hit maybe $333, just assume you only have about 2600 left for your everyday spending (since 3600 limit minus that 1000 installment bit).
Just a little heads-up though, don't ever count on having the full amount available. I once thought I still had like $167 left, walked into a Target and 🙈
If you need anything else, just ask! 😉

urbangardener said:So, I finally pulled the trigger today and bought my first item using Diners Club👍.

Everything seemed to go smoothly enough...

It was a digital device, plus a card and a case $400...

I set it up for 12 monthly installments, which means about $33... plus there’s this 1.5% fee from Diners Club on the total price, and then some kind of 12% annual interest... does anyone know what the actual math works out to? Personally, I feel like it shouldn't really climb much higher than $50...

But the guy at the store didn't even swipe the card through a terminal or anything... he just took all the info off the card, called in for authorization, and typed everything—the price, the number of installments—straight into his phone. Then at the end, he had me sign this paper I received, basically setting it up as a credit line through Diners Club... so is that really how it works?

I mean, how are you actually supposed to handle buying things on an installment plan at a checkout counter? I always assumed you'd just swipe the card and select the number of payments on the screen...

Ronald Allen said:That's pretty much it. You can check your credit balance whenever you want at www.dinersclub.com. Just sign up and poke around in there a bit, but if you actually want to pay your bill, I'd suggest using JPMorgan Chase. They don't hit you with those annoying fees when you're paying things off. 😉

Taylor Doyle95 said:So, I’ve been using my Diners Club card for a while now, and they just sent over a replacement because my old one finally expired, which is fine, but I’m honestly a bit stuck on one thing—do I get a brand-new PIN with this new card, or am I supposed to just stick with the old one? I feel like I’ve been calling every single customer service number under the sun every day, and I swear, nobody seems to have a straight answer; it’s always just a bunch of "I think so," or "I don't think so," or some other vague nonsense.
It’s actually getting a little exhausting, because every time I call, the person on the other end starts grilling me like I'm some sort of suspect, asking when, where, who I am, where I'm from, and all sorts of personal stuff just to get a response that ends up being, "Well, I *think* so, but you should probably check with this other number instead."
Does anyone here actually know if I’ll be getting a new PIN in the mail, or should I just try using the old one?
I guess I'm just a little paranoid, maybe, because I can't help but worry about whether there's some kind of shady business or potential fraud going on, even though I know deep down that shouldn't be possible since the physical card is already right here in my hands... but still, the anxiety is there! It’s been about 10 days since the card arrived, and I've looked through all the paperwork they sent, but there isn't a single word about the PIN or whether the old one still works.

wearyhawk7 said:The old one stays the same. 👍

Taylor Doyle95 said:So, I’ve been using my Diners Club card for a while now, and they just sent over a replacement because my old one finally expired, which is fine, but I’m honestly a bit stuck on one thing—do I get a brand-new PIN with this new card, or am I supposed to just stick with the old one? I feel like I’ve been calling every single customer service number under the sun every day, and I swear, nobody seems to have a straight answer; it’s always just a bunch of "I think so," or "I don't think so," or some other vague nonsense.
It’s actually getting a little exhausting, because every time I call, the person on the other end starts grilling me like I'm some sort of suspect, asking when, where, who I am, where I'm from, and all sorts of personal stuff just to get a response that ends up being, "Well, I *think* so, but you should probably check with this other number instead."
Does anyone here actually know if I’ll be getting a new PIN in the mail, or should I just try using the old one?
I guess I'm just a little paranoid, maybe, because I can't help but worry about whether there's some kind of shady business or potential fraud going on, even though I know deep down that shouldn't be possible since the physical card is already right here in my hands... but still, the anxiety is there! It’s been about 10 days since the card arrived, and I've looked through all the paperwork they sent, but there isn't a single word about the PIN or whether the old one still works.