I decided not to apply for the DC myself due to my age - but instead had a relative apply and add me as a secondary account holder (but I am the only one who uses the card). I once waited to the last minute to pay a 12K balance - without problems. Waiting to pay should be a benefit of the card - not something they suspect me for.

I am hoping being an active secondary member for a couple years will help me get a card as a primary account holder later.... But if the MasterCard aggreement doesn't go through as planned, I will just forget about DC anyway. They don't have enough lounges and I don't rent cars often enough to make them worth it - unless I can charge everything for the points.