Hooters Mastercard!

[marinewife98]

call today to check status they said they didnt see my name in there system

[fsugirl]

YOU GUYS AIN'T RIGHT ! HAHAHA !!!

[marinewife98]

call today and was told that I will receive a letter in the mail.
we all know what that mean

[jeffstrikesback]

Application on Hold

Applied for the Hooters MC as my second visa/mastercard type of line. Received a letter asking me to fax a copy of my social security card or paystub and recent utility bill or checking account statement to verify social and address. (Called them just to make sure I didn't put the wrong number in when I applied-i didn't). Will go ahead and fax this over hoping that I will get the line of credit. After this, I will not be applying for a while until my scores and history start rebuilding.

Also, has anyone figured out the rewards program???? Do you get 1 point for every dollar you spend and is the enrollment automoatic? Thanks everyone!!!
Jeff.

[Roadrunner]

I think you get more points for using the card at Hooters, and I believe enrollment is automatic. Will have a better idea when the first statement comes as it should show points if it is automatic, right?

I've officially used my card 1 time now! Not a HUGE purchase but I have heard some cards won't report unless you use them.

[RCAGREEN]

Is there anyone here who has gotten this card with a score under 600???
Please let me know asap. The lender that we are working with to buy a house said we needed a card asap because we have no positive trade lines!

[anonymuse]

I just did my 3 in 1 report on transunion and 2 of 3 accounts are just barely over 600. (All 3 have an inaccurate discharge that's bringing them way down.) Anyone have any idea which credit agency they verify with? Even though I'm in the pre-bk stage, I still need a cc for emergency and/or renting car.

[SinkingFast]

They pull from TransUnion, Anon.

At least that's what I read at another Credit Board Forum.

[marializ]

Hooters

I reaplied for hooters after only two weeks. I had some things fixed on my CR and my score went up alot. This time I got the card. I am so glad to finally get a credit card so I can start rebuilding. I was approved for $1000
limit.. I only plan on using it for gas.
Maria

[anonymuse]

So, if I went and got a Hooters card now with lousy credit, and I filed BK a few months from now, then they'd probably cancel on me anyway, even if I make small purchases and PIF?

[Roadrunner]

That is a good possibility. Besides that, applying for new cards on the eve of bankruptcy might not go over well with the bankruptcy court.

So, if I went and got a Hooters card now with lousy credit, and I filed BK a few months from now, then they'd probably cancel on me anyway, even if I make small purchases and PIF?

[tinroofrusted]

So, if I went and got a Hooters card now with lousy credit, and I filed BK a few months from now, then they'd probably cancel on me anyway, even if I make small purchases and PIF?

You are absolutely NOT permitted to apply for credit while in bankruptcy. This could have your case dismissed.

[anonymuse]

My biggest fear is not being able to buy my prescriptions--and Target's Red Card gives you target discounts after each 10 prescriptions (which I have 5 a month).

[Roadrunner]

If using credit to buy everyday items (like prescriptions) is an issue, then filing bankruptcy is not going to fix your situation. It will give you a 'starting over' point, but will not increase your income after.

I don't want to preach, we've all learned to cut back! From personal experience, you have to reach a point where you no longer rely on credit in order to be able to move on with any chance of financial success.

[anonymuse]

I understand about cutting back. I'm just looking for a card for that emergency/backup situation.

I'm trying to figure out what I can cutback on to save for a lawyer to file my Ch 7. $210 in Rx a month sucks (and that's with insurance).