ACFly: Have you tried to call their 24 hour service line after the office hour, and only to get an answering service for message taking?

Have you tried to dispute a charge with them and told to deal with merchant directly? They will not help with a chargeback or any assistance for any legitimate but undelievered purchases.

Have you tried to switch to another card, after being told this cannot be done on the phone? Have you then fill out a form and only to find out they mail you a different card product then you specified?

Have you tried to call them to clarify the details of your last written requests and only to be told that your original written letter cannot be located in their filing system, and you have to take their words for it?

Have you tried to sign up on the phone? And only to be told later that you are not eligible for bonus miles once they have your membership fee as a member?

I can go on and on, but these are just some of the problems I got with them during a few months of membership.

It's true that everything looks great on paper and advertisements... wait until you need them for a real issue, like insurance claim or purchase dispute! Only then you will realize that they are not better than average no-fee card companies.

Diners does have a pre-set limit! They just don't publish it... based on your credit and payment history, your file contains a "spending guideline". If your pass this guideline, your purchase will require further verbal authorization. I spoke to a Diners Club Canada agent before a major purchase of ticket worth $6000. They told me that it's still within my guideline (aka unpublished credit limit) and they will adjust it upward if necessary, based on your credit and payment history. So don't fall into that "no limit" trap.. try to charge a $10,000 automobile purchase (if the dealer accepts it) and see if it gets approved, 95% time, no!

60 day grace period, then you have to pay every penny back. Then it is really debatable which is more beneficial... long interest free grace period vs. installement payment. If you are not able to pay back, even by a few dollars short, then your account goes to delinquency! And your credit gets destroyed... not even an option for partial payment unless you go for a credit card.

Eatons used to accept it, and one of The Bay in BC is taking it as a trial. DC Canada admitted that they have troubles getting merchants to accept it, likely due to its high commision fee.

The DC lounges are being closed (see Flyertalk DC board), and guests are charged extra with the new changes. Yes, enjoy while they last... probably not for long.

It's just another credit card, with all problems you can expect from other similar products.