Hooters Mastercard . . . .good lord charlie brown!

[Amy26]

Its not unusual at all... you guys haven't applied online for any kind of financial stuff before and been asked these types of questions? They get the information from the credit bureaus. The annoying thing for me is certain ones don't have my correct answers. When I KNOW damn well that I answered the questions perfectly correctly and they still say they cannot verify my identity. I've been trying to find out exactly where they get these questions from and who I would need to speak with to correct the answers but nobody will ever help me. So, I usually cannot get verified for things online...depending on which source they use.

[nomoneynomore]

Amy26--We have the same problem. The lender of our vehicle loan is different from any of the answers they have, as is the company that had our mortgage several years ago. The names of the companies they show are the names of the companies NOW, not what they were when we had the loans. If I hadn't done some research, we would never answer correctly & wouldn't be verified.

[nomoneynomore]

On another note, when I applied for the Hooter's card, I wasn't approved instantly either and hubby was. After everything was verified I called back a couple of days later & was told I was approved. We both like our hooter's cards.

[Kuya]

Nomoneynomore, Do you mind if I ask . . . . did they offer a decent credit limit? One of the cards I have is the Orchard card, with a $300 limit. Was great for getting back on my feet and helping rebuild. But now myFico is over 700 and the card is actually hurting me more than helping. For example it currently has a ZERO balance. I applied for a Cap One card and was denied. Denial reason: insufficient credit limits. What I would like to do is find a decent card now with a higher CL, and close out my Orchard. . . before it's too late.

I say before it's too late, because I am currently in the beginning stage of rebuilding my credit. If I close it now, it will not hurt as bad. But If I keep it much longer, it will grow as my oldest credit card and possibly hurt me much more, if I close it in a year or two.

On another note, when I applied for the Hooter's card, I wasn't approved instantly either and hubby was. After everything was verified I called back a couple of days later & was told I was approved. We both like our hooter's cards.

[iswmle]

Have you thought about asking Orchard for a CLI? I was reading in another forum that they have reinstated customer initiated credit line increases.

[Kuya]

I had not considered that . . . I had the Orchard Card for about 3 years and asked about 3 or 4 times, always told they are not accepting requests . . so I kinda just stopped using them. I put the card in a lock box at home and have not used it in about 9 months.

But I will try them again, one more time, tomorrow .. . even though, they will probably only increase $100 which wont change the fact that I will close them. I currently have a Chase for $4,500 and so I don't need the Orchard at all . . and the low CL is bringing down my scores and ability to gain better credit rates with other cards.

Thanks for that information though . . . you are correct . . I just read some other forums where they are saying that Orchard has begun to take CL requests once again! Good info

Have you thought about asking Orchard for a CLI? I was reading in another forum that they have reinstated customer initiated credit line increases.

[nomoneynomore]

Nomoneynomore, Do you mind if I ask . . . . did they offer a decent credit limit?

I have a $1500 credit limit & hubby has a $300, both with 16.45%. I have no idea why the big difference in the limits. The same thing happened with Best Buy, I got $4000 and he got $500.

[Kuya]

So, I called Orchard Bank and requested a credit line increase . . .

They informed me that they may (or may not) pull my credit report during this process. . . . Ok . .

After a few seconds on hold, they Congratulated me and offered a $100 CL increase. So now it went from $300 to $400. Oh JOY!

Have you thought about asking Orchard for a CLI? I was reading in another forum that they have reinstated customer initiated credit line increases.

[getback]

that is a 33% increase... I would look at the bright side..

So, I called Orchard Bank and requested a credit line increase . . .

They informed me that they may (or may not) pull my credit report during this process. . . . Ok . .

After a few seconds on hold, they Congratulated me and offered a $100 CL increase. So now it went from $300 to $400. Oh JOY!

[StartnOvr]

Does anyone have a viable link to Hooter's online app? Been googling and can't find a page. Thanks!

[Kuya]

LOL . . what have you been googling that you can't find it? I typed in "Hooters Credit Card" and it came up first thing . . .

I am baffled that you can't find it in google ????

Does anyone have a viable link to Hooter's online app? Been googling and can't find a page. Thanks!

[Kuya]

Update: Hooters approved $1,200 14% interest.

Only weeks after Chap 13 discharge
MyFico 708