Harris Bank application process for new Consumer cards.
Sep 27, 2014, 11:00 am
#1
Original Poster
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 365
Harris Bank application process for new Consumer cards.
Please help us assess the value of both cards and also, what is the difference between Consumer and Professional? Thank you.
P.S.: Got instantly approved for the Premier card. I do not see the justification for the difference in annual fee amount between the two cards at this time. Also, the application does not ask for an e-mail address, so I guess the CL awarded will be a surprise (good or bad lol).
P.S.: Got instantly approved for the Premier card. I do not see the justification for the difference in annual fee amount between the two cards at this time. Also, the application does not ask for an e-mail address, so I guess the CL awarded will be a surprise (good or bad lol).
Last edited by greglvnv; Sep 27, 2014 at 11:42 am Reason: Approved application
Sep 27, 2014, 12:24 pm
#2
Original Poster
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 365
I just called them and they matched my highest CL showing on my CR. I am very happy about that as you can imagine. If you wonder, they pulled TransUnion only and my credit score is 780.
Sep 27, 2014, 8:59 pm
#3
Join Date: Aug 2008
Programs: AA 2MM
Posts: 32
CS agents just confirmed that they will not simply convert an existing Professional Diners Club card into a Consumer Premier card; a brand new application is required. They cited "regulatory reasons." Such a convenient conversion option would have been of interest as, as cited above, the latter card for the same AF hasno forex transaction fee. It was further explained that Professional cards are merely grandfathered from Citi and their features/benefits will "never" change.
Sep 28, 2014, 8:52 am
#5
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
CS agents just confirmed that they will not simply convert an existing Professional Diners Club card into a Consumer Premier card; a brand new application is required. They cited "regulatory reasons." Such a convenient conversion option would have been of interest as, as cited above, the latter card for the same AF hasno forex transaction fee. It was further explained that Professional cards are merely grandfathered from Citi and their features/benefits will "never" change.
- Do you get a reduced AF on the second card?
- Can you link both cards to the same Club Rewards account?
- Can you then cancel your Professional card (if you wish) and your Club Rewards account (that originated on the Professional card) continues on your new card?
Sep 28, 2014, 3:15 pm
#6
Original Poster
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 365
Sep 28, 2014, 4:38 pm
#7
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
I've never seen a non-joint app with these questions. It's unclear if they're going to issue a joint card or not.
Sep 28, 2014, 8:21 pm
#8
Original Poster
Join Date: Nov 2009
Location: LAS/GRU/DUB
Programs: Amex, JPMR, Nexus
Posts: 365
I think the spouse's info is only to facilitate collection but will not make it a joint account. I only saw similar questions for Wisconsin applicants but not all community property states. Glad never shared credit with my ex, that made the split easy.
Sep 29, 2014, 11:46 am
#9
Join Date: Jun 2002
Location: California USA
Posts: 652
Sep 29, 2014, 3:33 pm
#11
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
No instant approval despite a solid CR (768) and high income. Got a 7-15 day message. We'll see what turns up, but I assume a decline.
Sep 29, 2014, 3:47 pm
#12
Join Date: May 2013
Posts: 53
Applied for the Elite last night for the wife....high income and an 811 FICO. Instant approval, said the card would ship in 3 business days and we would receive it within 7-10.
I've been telling my wife for month's that I wish a card with good bonus categories that transfer to Alaska (everything else for us is gravy) would come along.
The other airlines partners and hotel partners for us are extra, just super excited for the Alaska transfer.
I've been telling my wife for month's that I wish a card with good bonus categories that transfer to Alaska (everything else for us is gravy) would come along.
The other airlines partners and hotel partners for us are extra, just super excited for the Alaska transfer.
Sep 29, 2014, 7:31 pm
#13
Join Date: Nov 2013
Location: LAX
Programs: AA, AS, DL, VX, HH, Marriott, SPG
Posts: 20
I applied for the Premier ($95 AF) the other day. Instant approved. Called in the following day and after verification was told my limit was $25k ($5k higher than my highest limits). Pulled TU (778 Fico), 2 inq, 2 year AAoA (thanks Citi), no negs, tons of new accts, $75k income.
Sep 30, 2014, 1:01 pm
#15
Join Date: Mar 2014
Posts: 30
well hopefully you get approved. I applied on Sunday and received the 7-15 pending message also but till today I have not had a 2nd HP from them. I rather just get flat out denied with only 1 TU pull because I have lots of inquiries (30+) on EX and only 4 (counting this one on TU).