"No Annual Fee"

Hooters MasterCard Review
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Written by: arnojab on 2011-05-22

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arnojab's review: Callout Comment Two weeks exactly from the time i applied to the time i recieved it. Had to call after one week to verify info. No annual fee,16.24% interest.Not a big c.l . $700.00.My experian plus score at the time was 702. I don not what my fico score is.


Comment 1 by wanderer
Re: No Annual Fee User Icon on 2011-05-22

Remarks Great. Congrats. You are being showered with gifts by the credit gurus. You give us faith there is still credit in them thar hills!
Comment 2 by joeyman
Re: No Annual Fee User Icon on 2011-05-23

Remarks Nice job on these new cards! You can sit back and let the accounts age. :)
Comment 3 by pauly2221
Re: No Annual Fee User Icon on 2011-06-02

Remarks Congradulations on your new card. I have over 23 Credit cards including this one that I got 3 years ago I have to say they only do CLI 1 a year for around 400 dollars. But then again this is a bank and not a credit union. I had a score around 620 when I got this card. Now that I have a 730. Your experian plus score is a bout a 711 in fico score. That is really good and if you have somewhat low in quirys and 1year + in credit histor you have a good chance at getting a credit union credit card with a good interest rate and credit line. See below for details


Hooters (Merric Bank) $1,900 Limit
Chase 3K limit
Discover 1.5K limit
AMEX no preset
HSBC: $1,200 limit

And Now for the Credit union credit limits:

APG Credit Union: $10,300 limit
Navy Federal Credit Union: $15,000
Navy Federal Credit Union: $15,000 2nd One
Harco Credit Union: $12,000 limit

Keep in mind I applied for all these cards above within a 3 month span and with a fico range from 700-730.

I first applied for the bank ones and then when I got approved for the credit union ones 10x the limit of the bank I was surprised.

I have noticed that if you do not have a 780 or higher don't expect to get more then 10k with a bank but if you have a 680 or higher with a credit union expect to get a nice limit close to or over 10K.

Additional Information:

23 inquirys
1.7 years history
30 and 60 day lates 5+ years ago

Higher Interest Rate:

Chase: 22%
Discover 17.9%
AMEX no preset 2.99% after 30 days (charge Card)
HSBC: 19.9%

and Now for the Credit union credit Interest

Lower Interest Rate: (Credit Unions)

APG Credit Union: 10.99%
Navy Federal Credit Union: 12.99%
Navy Federal Credit Union: 12.99% 0% for 12month
Har Co: 9.99 %
Comment 4 by arnojab
Re: This Card Is No More User Icon on 2012-06-28

Remarks My hooters master card is no more.I just received a Merrick bank visa card as a replacement with the same terms 16.45% interest and no annual fee.My scores across the board are in the low 700's
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