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Valued Member
edwtoo
Posts: 35
Registered: ‎01-16-2009
0

hooters card denied

i have a 640 TU what kind of scores is Hooters looking for
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
0

Re: hooters card denied

It's a good thing that Hooters denied your application. I would go with Capital One for now and apply for better cards in a year or so.
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009
0

Re: hooters card denied

[ Edited ]

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!

Message Edited by Woolfman on 04-22-2009 01:34 PM

Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
0

Re: hooters card denied

I prefer having a Capital One card rather than a Hooters card because I've heard of consumers having their accounts closed for no apparent reason.
Valued Member
edwtoo
Posts: 35
Registered: ‎01-16-2009
0

Re: hooters card denied

so is 640 still considered poor, there web site had said that they catered to all credits good and bad.
Established Contributor
YoungEntrepeneur
Posts: 586
Registered: ‎03-03-2009
0

Re: hooters card denied

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.

Valued Member
edwtoo
Posts: 35
Registered: ‎01-16-2009
0

Re: hooters card denied

ok i will keep working on the credit i have for another year and see what happens thanks guys

Established Contributor
Ulan
Posts: 790
Registered: ‎09-09-2008
0

Re: hooters card denied

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.
Frequent Contributor
Woolfman
Posts: 498
Registered: ‎01-29-2009
0

Re: hooters card denied


Ulan wrote:
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. 


Starting Score: 680
Current Score: 761 From 12/11/2013
Goal Score: 800


Moderator Emeritus
WhirledPeasPlease
Posts: 3,418
Registered: ‎12-27-2007
0

Re: hooters card denied

I think their idea of 'new' is anything less than two years.

 

(If memory serves me right, at least.)

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.

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