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07-19-2009 04:56 AM
07-19-2009 05:26 AM
Different banks pull from different reports. Some pull one, others pull 2. You're not actually applying with Hooters...you're applying with the bank that backs them.
Doing a quick check...seems Hooters is backed by Merrick bank & pulls TU quite often in MD. They wewre approving high 5's to mid 6's in late 07...to mid 08.
Might be worth a try
07-19-2009 05:42 AM
Why do you want the Hooters card? Have you checked rates & such with other cards/lenders??
Or is it simply because it's a Hooters card?
07-19-2009 05:57 AM
I agree with B-Mo, give it a shot!
I got mine in 2007 with scores lower than yours.
Hooters was first card this year to give a CLI - $200,
07-19-2009 06:01 AM - edited 07-19-2009 06:04 AM
I eat there alot...
That may be so...but does a hooters card give you meal discounts???
I'm just saying...weigh out your options. For instance, do you have a checking acct history with a local bank? They are likely to give you a better card & a better deal. Don't go for hooters, simply because the card looks "cool".
07-19-2009 06:21 AM
Just an observation...if I'm wrong...I'm wrong.
Your screen name reveals a lot. You want the card because it will look cool to your friends. There's no other reason that you want it "bad". It's not like they offered you a low int rate. You like the food, but can pay cash.
We have all been young, and made bad credit choices and are trying to clean up our messes. If I had access to a forum like this when I was in my 20's, I'd have AMAZING credit history. You don't know how lucky you are to have this wealth of information at your fingertips. If you get that card simply because it's a "Hooters" card...mark my words...you'll be back in 3 years asking for help to get the CO off your reports.
I've been on this forum for a while now. I love to help people with the rut they're in....because I've been there. But someone who wants a certain card as a "show off" to their buddies....that's a shame. There are a ton of folks out here who wish they had the clean slate you're destined to muck up.
Harsh? YES Honest...most definitely.
That's all I'm saying on the topic. MODS...forgive me if I'm out of line, but I feel this forum is here to Help people.
07-19-2009 06:49 AM