Hooters Mastercard!

[Roadrunner]

Except that will put an inquiry on your report, and it could cost your buddy his/her job...

Don't waste your money, because you aren't getting your "real" score anyway. If you have a friend of buddy who can pull it somehow through an auto dealer, mortgage company, or the like, go about it that way!

[tinroofrusted]

Except that will put an inquiry on your report, and it could cost your buddy his/her job...

Actually, it won't cost the buddy his job either.

If you are to get "pre-approved" from any mortgage company in the country, they are required by law, to release your credit scores to you!

[jrudicel]

I was discharged in June of 05.... only have a vehicle and house payment. I applied for Orchard bank right after the BK and got a 300.00 card with the 59 annual fee. Used it and paid ontime for 1 year now...called and requested a credit increase and was denied. I applied for the Hooters card and it came in the mail today with 0 annual fee and a 2000.00 limit! My scores are like 640 TU...608 EX...and 580 Eq. Still working on Eq. reporting right.
Now, what is best to build your score? Use the card a little and payoff every month ...or just throw it in a drawer?

[anonymuse]

Now, what is best to build your score? Use the card a little and payoff every month ...or just throw it in a drawer?

Only charge less than 30% of your credit limit each month, and then pay off MOST of it, but carry a little balance.

[JeepMom]

I love paying with my hooters card. Esp when it's a young teenage boy. They get extremely embarassed. The kid at today at Wendy started hooting/whistling. Never saying anything, just making noises...lol!

I use it to pay for a lot of stuff just for the rewards. I just take the money out of my checkbook like I purchased it with cash and then when the bill comes I pay it off with the money I've already taken out.

[down&out]

Hi All.

I got a hooters card with $500 limit, no annual fee.

I don't have real FICO scores (Im too cheap). I do have my fake scores from truecredit:

TU: 659
EX: 640
EQ: 671

My scores from TC are much lower than this, and I got a $1000 limit.................strange indeed!

That doesent surprise me. I tried to refi my house about 2 months ago and the TC scores were about 50 points on average higher then the FICO scores. Maybe your FICO is higher?

[tinroofrusted]

That doesent surprise me. I tried to refi my house about 2 months ago and the TC scores were about 50 points on average higher then the FICO scores. Maybe your FICO is higher?

Could be!

I have heard of this happening before!

If so, that means that all of my scores are now above 600... WOOHOO.

[Anassa613]

Approved My first credit card- Limit 1000

[Minnymouth]

Now - Use It Wisely..............

[anonymuse]

Now - Use It Wisely..............

Minny, you're always the voice of reason around here. Going to start calling you Mommy Minny.

[Minnymouth]

Nickname is "Momma Dee"................

[Anassa613]

Okay Momma Dee

[Roadrunner]

Congrats Anassa!

(Perhaps there should be a thread just for 'approved' applications. Kind of a cheering section?)

[jaura6588]

Has anyone been approved for this card though they included Merrick Bank in BK?

[BrokeStudent8]

I applied yesterday! I really hope I get approved, as I don't have any cards yet and I was discharged in Jan (well then March, because the court had to reopen my case to include my reaffirmation agreement.) But still, I want just one card for emergencies! I'm crossing my fingers...