topic Re: Hooters Question in Credit Cards

Hooters Question

Breakthecycle2 — Sun, 09 Nov 2008 23:51:37 GMT

Just a basic one. Do you think I would have a shot a getting approved with my scores?

Re: Hooters Question

Red1Blue — Sun, 09 Nov 2008 23:53:10 GMT

Last May I got approved for $1k CL with scores around your scores. I do not know with the current credit conditions how Hooters is treating new apps.

Re: Hooters Question

Drefrombk — Mon, 10 Nov 2008 00:02:02 GMT

I would say you have a good chance. I just agot approved with your sccores. I have a lot of lates and CO. They approved me for $500 72AF and 25.% APR.. Go for it GL

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 00:18:17 GMT

I really want to but i am two for two this week (Orchard and Target Red) and don't want to risk putting myself in a bad mood...lol

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 01:27:00 GMT

Bump.

Re: Hooters Question

MsKiwi — Mon, 10 Nov 2008 01:44:26 GMT

@Breakthecycle2 wrote:
I really want to but i am two for two this week (Orchard and Target Red) and don't want to risk putting myself in a bad mood...lol

I applied in may of this year with scores similar to yours and was denied. The letter stated I needed to call for the reason, but I decided I probably wouldn't get anywhere so I never made the call.

If you have a recent mortgage I would advise against apping for the card.

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 02:36:08 GMT

@MsKiwi wrote:
@Breakthecycle2 wrote:
I really want to but i am two for two this week (Orchard and Target Red) and don't want to risk putting myself in a bad mood...lol
I applied in may of this year with scores similar to yours and was denied. The letter stated I needed to call for the reason, but I decided I probably wouldn't get anywhere so I never made the call.
If you have a recent mortgage I would advise against apping for the card.

Did you have a recent mortgage when you applied?

Re: Hooters Question

MsKiwi — Mon, 10 Nov 2008 03:15:01 GMT

@Breakthecycle2 wrote:
@MsKiwi wrote:
@Breakthecycle2 wrote:
I really want to but i am two for two this week (Orchard and Target Red) and don't want to risk putting myself in a bad mood...lol
I applied in may of this year with scores similar to yours and was denied. The letter stated I needed to call for the reason, but I decided I probably wouldn't get anywhere so I never made the call.
If you have a recent mortgage I would advise against apping for the card.
Did you have a recent mortgage when you applied?

No. I do have some negatives on my report. If your report is clean, you may have a better chance than I did.

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 03:19:59 GMT

What kind of baddies? Ihave two CO's.

Re: Hooters Question

MsKiwi — Mon, 10 Nov 2008 03:29:32 GMT

@Breakthecycle2 wrote:
What kind of baddies? Ihave two CO's.

If you have 2 co's your in better shape then I am. I have mostly medical co's from 2 years ago. I also have a paid pr that was supposed to be removed that I have to work on. Depending on how old your co's are and what they are you may stand a chance.

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 03:33:17 GMT

They are 3-4 years old and for about $400 a piece.

Re: Hooters Question

MsKiwi — Mon, 10 Nov 2008 03:47:17 GMT

@Breakthecycle2 wrote:
They are 3-4 years old and for about $400 a piece.

If you don't mind the inquiry go ahead but I would go with a BOA secured instead (imo a better use of an inquiry). It will grow with you and from what I've read the hooters card is just so-so with cli.

Re: Hooters Question

Breakthecycle2 — Mon, 10 Nov 2008 04:07:14 GMT

Yup. Instant denial. Should I try for Recon?