Also remember that Hooters (the card, anyway) isn't what it used to be.
When it first came out, they were accepting all sorts of scores and giving great CL's and CLI's. Once they had enough cardholders, I suppose, they started tightening up something fierce. And this was before the bank crashes.
I would think that if you qualify for a mortgage, you could do a lot better. A credit union card or Cap One, maybe.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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