I'd wait a few days and see what the reasons were. It might indicate that you have insufficient credit or trade lines. Ironic, isn't it? Outside of Hooters, you could try a credit union. Favorites here include Christian Community CU, Justice Fed CU, NASA CU, Penfed, Navy, etc. They tend to give higher limits and approve lower scores. You could also try a CC that pulls a soft inquiry so you can see what you may get prior to getting a hard inquiry. Two that I know of are HSBC and Bank of America. There are links on-line.
zman wrote:They did not tell me why I got turned down, they told me I have to wait for letter to appeal.It was a M&T card and I have an account with them too.
Who have you apped with? Why are you going dispute a legit inq?
I thought with scores like 661 to 678 I should be able to get something too, I just got a report from my fico and it is perfect except the stuff from 2.5 years ago. NO baddies for a longgggggg time.I do belong to credit union, but when I talked to them they sounded negative and not too helpful.Thanks all.I am going to dispute the pull though and get it removed.