DuckHunter wrote:My dw applied for a Hooters card, got the 7-10 day notice, she called after a week and she was told "approved".I asked her to be very careful with the use of that card, because the apr is bad plus she got hit with a $48.00 annual fee. Her cl was for $1,000.Well, at least she was finally able to close her account with Applied Bank (thank god)! They charged her to pay her bill every month. Glad this one is gone, but I'm still not sure about the Hooters card.I wonder if they will reduce her apr after 6 months or so? Does anyone have any bad experiences with them?