Hooters - Wow you guys weren't lying

[heirophant]

I just called to find out the results of my online application, which was approve immediately.  My TU score 584.  My line (I am extremely astonished): $3000.  Holy moly!!!  That will help with utilization.  No information on interest rate and AF, but WOW!!!

[Anonymous]

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heirophant wrote:

I just called to find out the results of my online application, which was approve immediately.  My TU score 584.  My line (I am extremely astonished): $3000.  Holy moly!!!  That will help with utilization.  No information on interest rate and AF, but WOW!!!

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Wow congrats!!! Whats your APR on that? Nerer really looked at that card, not really me. Just pulled up the T&Cs ad found they have sme really good APRs, as low as 7.75

Message Edited by Brammy on 11-28-2007 09:34 PM

[heirophant]

CSR didn't have info on the APR or AF.  But I was just amazed b/c I have a paid judgement from 06 and 2 CO's on report from 04.  Wow is all I have to say.  Merrick is generous.  My other cards (1 Orchard, 1 HSBC, 1 Cap1's) all started with a $300 limit.

[Anonymous]

You're right and now you can ash can the Orchard and HSBC if the APR is doable.

[heirophant]

Actually, I am combining the Orchard and HSBC.  That was the plan when I got the HSBC card.  No AF and 12.9%.  My Orchard now has a $850 limit, so I was going to combine that with the $300 HSBC for $1150.  Sounds better to me than paying the $59 fee for the Orchard.  Plus, HSBC has not treated me wrong.  Seems to me that they get a bad reputation.  I just talk nicely to the CSR's and I seem to get results.

[Anonymous]

definitely a better plan.

[Anonymous]

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heirophant wrote:

Actually, I am combining the Orchard and HSBC.  That was the plan when I got the HSBC card.  No AF and 12.9%.  My Orchard now has a $850 limit, so I was going to combine that with the $300 HSBC for $1150.  Sounds better to me than paying the $59 fee for the Orchard.  Plus, HSBC has not treated me wrong.  Seems to me that they get a bad reputation.  I just talk nicely to the CSR's and I seem to get results.

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did you already combine, or just put in the request. i thought i could combine as well, untill the letter saying no way, can't do it. i ended up closing 3 cards.

[heirophant]

I have only put in the request.  The CSR seemed pretty confident that it could be done.  I guess we'll see.  I have no balance on my Orchard, so I couldn't see them denying it b/c of the balance going to a lower-rate card.  What reason did they give you for denial of your request?

[Anonymous]

congrats!!! I plan to try for one near the end of the year first part of 2008--then after that I think I am done unless some store card suckers me in--but I will try my hardest not to let them

[Anonymous]

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heirophant wrote:

I have only put in the request.  The CSR seemed pretty confident that it could be done.  I guess we'll see.  I have no balance on my Orchard, so I couldn't see them denying it b/c of the balance going to a lower-rate card.  What reason did they give you for denial of your request?

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one had an af, one didn't, so these were unable to be combined. the other was the hsbc/orchard backed discover, was told that can't be combined w/either of the other two as well (something about diff type of product if i recall correctly).