"Denied"
Hooters MasterCard Review
Written by: lkazzie on 2009-06-06
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lkazzie's review: 
I was flat out denied for this card when I applied online for it. I hope I wasn't denied because I don't go to Hooters at least once a month.
I was flat out denied for this card when I applied online for it. I hope I wasn't denied because I don't go to Hooters at least once a month.
2 Comments
Comment 1 by qchau
Hooter Credit Card 
on 2009-06-13
It is about your credit scores not because you don't dine out a lot - if you don't have 720 scores or above (FICO and/or EXPERIAN, TRANSUNION) - then forget about applying for credit cards - some banks now required this high score to qualified for Visa, master or AMEX cards - I have 702 but got DECLINE for 5/3 bank Visa card this month (06/2009) because I didn't have enough score to qualified for this Visa credit card-last year, 5/3 only required 680 or above to qualified for Visa card. Now is 720 or higher - economy is really bad right now and hits banks really bad - no wonder why their changed guidelines, rules, etc.
good luck & take care
on 2009-06-13 It is about your credit scores not because you don't dine out a lot - if you don't have 720 scores or above (FICO and/or EXPERIAN, TRANSUNION) - then forget about applying for credit cards - some banks now required this high score to qualified for Visa, master or AMEX cards - I have 702 but got DECLINE for 5/3 bank Visa card this month (06/2009) because I didn't have enough score to qualified for this Visa credit card-last year, 5/3 only required 680 or above to qualified for Visa card. Now is 720 or higher - economy is really bad right now and hits banks really bad - no wonder why their changed guidelines, rules, etc.good luck & take care
Comment 2 by qchau
Hooter Master Card on 2009-06-14
I would like to double check make sure I understand how credit scores system works: FICO is from TransUnion not Equifax or Experian, am I right? -
last week, 5/3 bank had told me Equifax used FICO score not either, TransUnion or Experian. I got 702 (Equifax score) but 5/3 bank still DECLINE me for their Visa card in June/09.
THANKS
on 2009-06-14 I would like to double check make sure I understand how credit scores system works: FICO is from TransUnion not Equifax or Experian, am I right? - last week, 5/3 bank had told me Equifax used FICO score not either, TransUnion or Experian. I got 702 (Equifax score) but 5/3 bank still DECLINE me for their Visa card in June/09.
THANKS
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Disclaimer: This content is not provided by Merrick Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Merrick Bank. Review content is powered by Finance Globe.
