I was approved for a 1k CL with hooters last month , I had like 4 INQ on TU and my scores are listed below
while it may not be a prime card I dont see anything wrong with having them.
Hope this helps!
A score of 640 isn't the greatest score but it's not as bad as you might think. It's good enough to get away from cards such as First Premier. Personally, I would prefer having a Capital One card than a Hooters card. Based on what I've read from other posts, Merrick Bank (Hooters) seems to be inconsistent with their approvals.
As far as I know, Hooters won't approve your application if you have a relatively new mortgage or if you don't have any other credit card.
Not sure how you perceive new on a mortgage but I just bought my house in October.
I think their idea of 'new' is anything less than two years.
(If memory serves me right, at least.)