I applied for a Hooters card last week. TU FICO of 727, only baddie was a 3 year old late, no inquiries until theirs. I got the 7-10 day message, which I've heard is a good sign. On previous attempts, I've got a different message, something to the effect of unable to grant your request at this time. Today, I called in to check on the status of my ap and was told it was denied. The CSR wouldn't tell me the reasons over the phone, but did say she'd send a letter.
I don't get it. I've saw people with scores a lot lower than mine getting approved. I don't have a mortgage. I have 4 open never late tradelines.
Creditaddict, because I'm trying to stick with TU pulls for now. My EX and EQ scores are over 100 points lower due to an old chargeoff still showing on them. All the good cards (Citi, Chase, etc) pull EQ or EX where I am.