topic Re: Will Hooter's approve me? in Credit Cards

Will Hooter's approve me?

Anonymous — Wed, 05 Mar 2008 21:01:35 GMT

I guess I'm a day late and a dollar short, UGH!

I applied for a Hooter's MC yesterday and had no clue that they don't wanna be anyone's FIRST cc (until reading some info today). I applied based on my current as of 2/14 scores EQ 600, TU 623, EX 638 and my research on whogavemecredit.com.

Well right now I don't have any revolving accounts open, just Student Loans and Car Loan and plenty of baddies scheduled to fall off in of May 2008.

Today, I went and applied for Kay Jewelry and got it! Yay for me! I got a CL of $1,000. This will be my first revolving account in over 6 years!

Yesterday when I applied for Hooter's I got the 7-10 day message. What do you think I should do? Will Kay report soon enough for approval for me? Should I call Hooter's?

PLEASE ADVISE ME MYFICO FAMILY!!!

Re: Will Hooter's approve me?

Red1Blue — Wed, 05 Mar 2008 21:27:12 GMT

You'll get it. Hooters does manual approval so it might take couple of days for the approval to finalize.

Re: Will Hooter's approve me?

Anonymous — Wed, 05 Mar 2008 21:34:22 GMT

gf, I've got my fingers crossed for you!

Re: Will Hooter's approve me?

Anonymous — Wed, 05 Mar 2008 21:45:43 GMT

gfrazier14 wrote:
I guess I'm a day late and a dollar short, UGH!

I applied for a Hooter's MC yesterday and had no clue that they don't wanna be anyone's FIRST cc (until reading some info today). I applied based on my current as of 2/14 scores EQ 600, TU 623, EX 638 and my research on whogavemecredit.com.

Well right now I don't have any revolving accounts open, just Student Loans and Car Loan and plenty of baddies scheduled to fall off in of May 2008.

Today, I went and applied for Kay Jewelry and got it! Yay for me! I got a CL of $1,000. This will be my first revolving account in over 6 years!

Yesterday when I applied for Hooter's I got the 7-10 day message. What do you think I should do? Will Kay report soon enough for approval for me? Should I call Hooter's?

PLEASE ADVISE ME MYFICO FAMILY!!!

Kay reports fast, but Hooters probably already pulled your report when you applied. I don't want to rain on your parade but if you don't have any revolving accounts reporting, Hooters won't like that.

Good luck! Prove me wrong!

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 01:21:58 GMT

Good luck to you .

BTW your TU score at least better then mine when i get their card last OCT-07 it was around 615 .

Re: Will Hooter's approve me?

NICKI183 — Thu, 06 Mar 2008 01:27:27 GMT

gfrazier14 wrote:
Today, I went and applied for Kay Jewelry and got it! Yay for me! I got a CL of $1,000. This will be my first revolving account in over 6 years!

Yesterday when I applied for Hooter's I got the 7-10 day message. What do you think I should do? Will Kay report soon enough for approval for me? Should I call Hooter's?

PLEASE ADVISE ME MYFICO FAMILY!!!

Well, I too applied for Kay and Hooters and my scores are less than yours. I was approved for Kay J for $5k and Hooters is on the fence. As I stated in other threads I am really eager to know because I got the same message.

If you get really ancy within the next few days give them a call. I called diredtly to Merrick at 1.801.545.6705

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 03:28:49 GMT

Your Hooters card will just show up in 8 days. LOL

DON"T APP AGAIN UNTIL AFTER MAY!

Re: Will Hooter's approve me?

NICKI183 — Thu, 06 Mar 2008 03:39:13 GMT

beenthere wrote:
Your Hooters card will just show up in 8 days. LOL
DON"T APP AGAIN UNTIL AFTER MAY!

How are you so sure it will show in eight days,you have an inside connection....LOL. Seriously, do you think its DECLINE for both of us Beenthere?

Re-apply again in May if declined, isn't that too soon?

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 06:13:58 GMT

The 7 to 10 day is the standard reply for Hooters. For almost everyone who got that responce, the card just showed up in the mail just over a week after apps.

My reference about not apping again had nothing to do with a Hooters decline; it had to do with not apping until a bunch of inquiries dropped off of his/her reports in May.

Re: Will Hooter's approve me?

NICKI183 — Thu, 06 Mar 2008 06:17:21 GMT

Ok. thanks for clarifying that for me Beenthere.....

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 12:47:20 GMT

I got the "Congratulations, you are approved" message last week, so I'm waiting for my card and to see what small credit limit I'm going to get. My TU was 628 with 2 open collections (one for $88 from May 2007 and a medical collection for $600 from 2005). I've only had my current revolving accounts (Cap 1, Orchard, and Chevron) for 3 years so my history is low. Good luck...hope you get it. Rebuilding your credit is a looong, frustrating process. I may have got approved for Hooters, but at the same time I got declined for Walmart (store card) and Citi. So, I'm thinking my Hooters CL will be $300-500. Guess I'll find out soon.

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 13:31:46 GMT

Thank you all so much for the responses. I am so nervous about constant denial. I have applied for Target (denial - BLACKLISTED), Hooter's (7-10 day notice), and Kay (approved yesterday!). I really need a major. I want to try Capital One, but I have heard bad things on the boards, plus I have a baddie with them that I am waiting to fall off this or next month. I don't want them to try to reactivate that account on me.

Re: Will Hooter's approve me?

Anonymous — Thu, 06 Mar 2008 17:16:34 GMT

Good luck gf, I'm pulling for ya!

If you are sure that things will be falling off in may, back off of the applying until those baddies have fallen off.

And despite what things you've heard about Cap1, I'll have to say they stuck by me when they could have dropped me like a hot potato. They have upgraded my cards, eliminated the AF and monthly fee, dropped my APR. My Visa has a cl of $3,200...the M.C. is at $2,000. Not to shabby for "sub-prime" cards, imo. Besides with spotless clean history, and NEVER going over the cl, they will open the doors for better prime cards.

Re: Will Hooter's approve me?

2Bfree — Sat, 08 Mar 2008 05:15:40 GMT

Sylviatob, I got a Cap 1 this Jan w/1000 cl and I had file them in a BK7. Did you apply for the Visa and MC several months or years apart. I to think I will stick w/ Cap 1 since they was the first to help get me back in the credit game. I would like to get a visa w/ Cap 1 when I get ready to graduate to the next level. My score was around 560 when I applied for the MC it is now 613 and the Cap 1 MC have not report to my credit report yet. This will help increase my score when they decided to report my account.

Re: Will Hooter's approve me?

2Bfree — Sat, 08 Mar 2008 05:23:27 GMT

beenthere, I applied online for Hooter's and was denied sent the letter in the mail. My score was EX, EQ around 560 at the time no ideal about TU. The letter did not state why they did not approve me, so should I forward a letter asking why I was denied? I live in GA and they pulled TU. Do Hooters Blacklist if you have had a Merrick card before(bk7)?

Re: Will Hooter's approve me?

Anonymous — Sat, 08 Mar 2008 05:27:12 GMT

2B, in the beginning I started out with a Cap1 Gold Visa($300cl). I added another Cap1 Gold Visa(cl $300) about 4 months later. A year later I added a Cap1 Gold M.C.(cl $500)

all of that happened in 1999 & 2000.

Message Edited by Sylviatob on 03-07-2008 11:27 PM

Re: Will Hooter's approve me?

Anonymous — Sat, 08 Mar 2008 05:31:40 GMT

2Bfree wrote:
beenthere, I applied online for Hooter's and was denied sent the letter in the mail. My score was EX, EQ around 560 at the time no ideal about TU. The letter did not state why they did not approve me, so should I forward a letter asking why I was denied? I live in GA and they pulled TU. Do Hooters Blacklist if you have had a Merrick card before(bk7)?

I don't know the answers to your questions.

My TU was 683 when I apped for Hooters.

Re: Will Hooter's approve me?

Anonymous — Sat, 08 Mar 2008 08:22:47 GMT

@Anonymous wrote:
DON"T APP AGAIN UNTIL AFTER MAY!

Um, I'm confused. Why not until after May?

Re: Will Hooter's approve me?

Anonymous — Sat, 08 Mar 2008 15:26:39 GMT

Their baddies will drop off their reports in May.

Re: Will Hooter's approve me?

pattycake — Sat, 08 Mar 2008 17:30:28 GMT

Try Orchard. They are not the cheaper card to have a round, but definitely easy to get as a rebuilder card. Keep it around for a year or two, until you can get better cards, then ditch it for something better!