Credit Cards

[missy42]

Concerning the Hooters MC instead of waiting for the letter I called and was told I was APPROVED for a $1000 cl!!!!  Yepee!!!  Glad I called and I'm very glad I read this thread.  Time and paitence, I agree must be my friend, but it sure is nice not to have to wait too long.  Cap 1 is ok but to tell you the truth I'd like to get a cl with my credit union instead but I have to get my score higher.  Anyway, thanks everyone, guess I might look funny with a Hooter's card too but hooCares!!!

Missy42

[jackg]

If in fact you are trying to raise FICO by improving your % of utilization, WHY would you use this card, at al, regardless of male/female? Using it will only return you to where you were prior to getting it.

[aaagirl]

Can you all tell me what your UTI was on your other cards at the time of application, whether it may affect approval or not, and/or if you think Hooters decisions are based soley on scores. I am in Michigan and am also wondering if anyone knows who they pull from.  I have been working so hard on my scores since a terrble (abusive) marriage, and have gone from the LOW 400's to FICO median today of 583.  The reason I ask is I just paid down UTI to about 50%, and intend to have it down to 10% or less by the new year, but, a larger limit card would certainly help.  Any thoughts ?

Thanks!

aaagirl

[netpanther]

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aaagirl wrote:

Can you all tell me what your UTI was on your other cards at the time of application, whether it may affect approval or not, and/or if you think Hooters decisions are based soley on scores. I am in Michigan and am also wondering if anyone knows who they pull from.  I have been working so hard on my scores since a terrble (abusive) marriage, and have gone from the LOW 400's to FICO median today of 583.  The reason I ask is I just paid down UTI to about 50%, and intend to have it down to 10% or less by the new year, but, a larger limit card would certainly help.  Any thoughts ?

Thanks!

aaagirl

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583 is NOTHING to sneeze at from where you started. You can do it. I was at 525 about a year and a half ago- and now I am trying to break 700- I may have done it, I am just not going to check my scores until right before Christmas.

[jackg]

aaagirl

I too live in Michigan and when I applied in June 2007 they pulled Equifax and gave me an instant approval for $5,000.

Good Luck

[ashabbir1]

I got approved for the card but I still dont know the credit limit

[ashabbir1]

I just found out the limit is just 1300

[kclb]

Hooters... Hm.

[aaagirl]

Thanks all,

I applied over the phone today, and the rep stated that I would hear with in "30 days".  How long after I have paid down my current balances does it take to show up?  I just paid all my cards down to 40-50% utilization and am hoping that I will get approved,but am concerned that the balances wont show up in time.  Any advice?

aaagirl1

[aaagirl]

Thanks all,

I applied over the phone today, and the rep stated that I would hear with in "30 days".  How long after I have paid down my current balances does it take to show up?  I just paid all my cards down to 40-50% utilization and am hoping that I will get approved,but am concerned that the balances wont show up in time.  Any advice?

aaagirl1