Because of you guys and all your help on understanding credit, managing credit and reducing debt, we were able to get approved for a $3000 limit on Hooters mastercard. Wife got this one with.. get this...555 TU ... Eq is 590 however Hooters pulls TU Got the 7 - 10 days message and card arrived week later 
I was surprised myself and HOPED they pulled Eq however my TC report clearly showed alerts from Hooters on TU. Our combined income is over 120k which may have helped. My wife thought I was nuts when she saw the Hooters card....until she saw the limit btw... the score was verified through Myfico TU pull report not the Fako Tu on TC.
Message Edited by majesty on 10-09-2007 06:19 PM
btw... the score was verified through Myfico TU pull report not the Fako Tu on TC.Message Edited by majesty on 10-09-2007 06:19 PM
Congrats Majesty! WTG! And thanks for the score info!
Yippie! I just applied online and got this message:
APPLICATION SUBMITTED
Thank you! Your online application has been submitted successfully.
No approval, no denial, no 7-10 day letter ... nothing.
So I took it upon myself to dial the backdoor number 801-545-6705 to ask questions 
.
I was told that I was instantly approved for $1,000 credit line *YIPPIE*. I asked the rep to bump the credit line to $1,500 and she said that they will review my account every month, but they can't make any changes to my credit line today! Knowing me, I'll try back later or in a few days *crossing fingers for a 'nicer' rep* 
!!!
@majesty wrote:
Because of you guys and all your help on understanding credit, managing credit and reducing debt, we were able to get approved for a $3000 limit on Hooters mastercard. Wife got this one with.. get this...555 TU ... Eq is 590 however Hooters pulls TU Got the 7 - 10 days message and card arrived week later
Just be careful and pay it off every month so you don't lose money to interest charges. What is the interest rate on the card and is there an annual fee?
This is the highest limit for a new line of credit, I've EVER been approved for *stoked*! This is a really big deal ... I really don't mind annual fees b/c I've been conditioned to just accept them, (especially when you're FICO scores look like hot crap), but I am just curious as to what the annual fee is (if there is one) and what their increases look like 
! We shall see ...
... I really don't mind annual fees b/c I've been conditioned to just accept them, (especially when you're FICO scores look like hot crap), but I am just curious as to what the annual fee is (if there is one) and what their increases look like ! We shall see ...
Well, the highest unsecured Mastercard/Visa anyway 
!
!
@iLiveCredit wrote:
Well, the highest unsecured Mastercard/Visa anyway
Hehehe... I love it - you're a creditjunkie!
Anyway, keep this in mind - What's credit really for? So you can get financing for something you can't, or don't want to, pay cash for at the moment. I've noticed from your sig that you have several accounts - I'm assuming some of them relatively recent. Too many young accounts will not help your score in the long (I mean short ) run. Just be careful, so that when you do come across somewhere that you really NEED credit for, you will have a decent enough score so that you can get approved... Myself, I am in the credit building stage and have a few recent accounts, and I intend on managing my accounts & increasing my score for the next year or two so that I'm in a position to get new credit when I need. Just something to think about - stick to the basics... Take care.
@Anonymous wrote:
@iLiveCredit wrote:
Well, the highest unsecured Mastercard/Visa anyway
Hehehe... I love it - you're a creditjunkie!
Anyway, keep this in mind - What's credit really for? So you can get financing for something you can't, or don't want to, pay cash for at the moment. I've noticed from your sig that you have several accounts - I'm assuming some of them relatively recent. Too many young accounts will not help your score in the long (I mean short
Credit Junkie? I'm guilty ! I really really appreciate the advice ... I went on a credit shopping spree, but it's over now! I think I've got more than enough to work with now =*)! Thanks!!!