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    #1

    Welcome to the Hooters Family email?

    ...I applied about two weeks ago...they needed better address verification, which I sent back in...and got the "Welcome to.." email...does this mean I get the card? Might it be in my mailbox that I only check once a week?

    Can I put the downpayment on the car I need to buy when the bk trustee seizes my 4 Runner (just kidding!!!!! )

    I'll be basically following the pay in full when bill arrives mode, just like it was before I got divorced and got off the chain.
    Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
    Who it was we were below, where we've been and where we go
    Tags: None
    #2
    Yeah you probably got it. Its the highest interest rate of any of the cards though, like 28% on mine. ANYONE who carries a balance on this card is just begging for another bk to happen.

    Comment

      #3
      Hooters seems like a very popular cc to acquire after Bk, I just got finished with my 341 meeting and am now waiting out the 60 days to discharge. Do you think it wise I go ahead and apply for a cc or should I wait out the 60 days?

      Thanks, Catchmeifyoucan
      July 2006: Filed Ch13 :blink:
      Oct 2006: Converted to Ch7 :clapping:
      Jan 2007: DISCHARGED :clapping:
      Nov 2007: CLOSED :yahoo::yahoo::yahoo:

      Comment

        #4
        I got it!

        Originally posted by FilingOnMyOwn View Post
        Yeah you probably got it. Its the highest interest rate of any of the cards though, like 28% on mine. ANYONE who carries a balance on this card is just begging for another bk to happen.

        You're right! I got the card! It is high, 29% w/72 annual fee.....but...I will use it wisely and pay off any balance in full....and then switch to something else in a year...I have been without a credit card for FIVE years....so I totally understand the issue that I created for myself...

        Do they charge me on the card for the annual fee?
        Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
        Who it was we were below, where we've been and where we go

        Comment

          #5
          Originally posted by CATCHMEIFYOUCAN View Post
          Hooters seems like a very popular cc to acquire after Bk, I just got finished with my 341 meeting and am now waiting out the 60 days to discharge. Do you think it wise I go ahead and apply for a cc or should I wait out the 60 days?

          Thanks, Catchmeifyoucan
          Well, I was discharged in February and waited until now....Seriously, I go along with the thought, if cc's are what got you into debt, wait on the cards because, yes, you can rack up that debt incredibly fast....I'd wait at least six months....and, before I messed up...I had excellent credit, probably the BEST....20K on each card...so, even though I don't even know what my credit score is now...maybe it didnt' go down as much as I think it may have...waiting to find some FREE way to check it?
          Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
          Who it was we were below, where we've been and where we go

          Comment

            #6
            Originally posted by CATCHMEIFYOUCAN View Post
            Hooters seems like a very popular cc to acquire after Bk, I just got finished with my 341 meeting and am now waiting out the 60 days to discharge. Do you think it wise I go ahead and apply for a cc or should I wait out the 60 days?

            Thanks, Catchmeifyoucan
            Technically, you are not supposed take on new debt while you're in BK. So you'd be best off to wait until you're discharged to get a CC.
            Filed Ch 7 - 09/06
            Discharged - 12/2006
            Officially Declared No Asset - 03/2007
            Closed - 04/2007

            I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

            Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

            Comment

              #7
              If you don't mind my asking - what is the limit on this new card?


              Originally posted by AMISLANDER View Post
              Well, I was discharged in February and waited until now....Seriously, I go along with the thought, if cc's are what got you into debt, wait on the cards because, yes, you can rack up that debt incredibly fast....I'd wait at least six months....and, before I messed up...I had excellent credit, probably the BEST....20K on each card...so, even though I don't even know what my credit score is now...maybe it didnt' go down as much as I think it may have...waiting to find some FREE way to check it?

              Comment

                #8
                Limit on card is....

                ...$1,000.00 which is more than enough to me, at this time.....my cc debt was almost $60K.....

                When I looked at my credit report, see...I had major credit with my xhusband, mortgage of $500K., $20K limits on cards etc...all my store cards, Macy's, Bloomies, Lord & Taylor were totally paid off...I just had maxed out Cap One, MBNA & Citibank....
                Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                Who it was we were below, where we've been and where we go

                Comment

                  #9
                  That is a very generous credit line - congrats and be careful!

                  Comment

                    #10
                    Very Generous

                    Originally posted by BK'd-Betty View Post
                    That is a very generous credit line - congrats and be careful!

                    But now, if I want to get my plane ticket to see my kids in AZ, I can buy it early, save some $!!! To rebuild credit & be able to buy a plane ticket or reserve a hotel room are about the only things I need a credit card for...God what a feeling!
                    Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                    Who it was we were below, where we've been and where we go

                    Comment

                      #11
                      I never received an email and my Hooters card arrived in the mail yesterday, one week after filling out the online application.

                      Comment

                        #12
                        Originally posted by rjx View Post
                        I never received an email and my Hooters card arrived in the mail yesterday, one week after filling out the online application.
                        Bet you're excited!!! Congrats!
                        Filed Oct 2005discharged February 2007,Shapeless in the fire's glow, tell me if you think you know,
                        Who it was we were below, where we've been and where we go

                        Comment

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