"Long Approvall Time"
Hooters MasterCard Review
Written by: lilmama on 2008-10-14
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
lilmama's review: 
It took over a week and a half to approve. Had to send in proof of identity, easy though because they allowed me to fax it in. $500 credit limit but 25.7% APR... YIKES! This is one of my rebuilder cards for a year, so it will hopefully get me in the door for a great APR later on. Thanks to everyone who reviewed on here, it helped me decied to apply.
It took over a week and a half to approve. Had to send in proof of identity, easy though because they allowed me to fax it in. $500 credit limit but 25.7% APR... YIKES! This is one of my rebuilder cards for a year, so it will hopefully get me in the door for a great APR later on. Thanks to everyone who reviewed on here, it helped me decied to apply.
9 Comments
Comment 1 by hjm331
Congrats! 
on 2008-10-14
Congrats on the card! Take care of t and it will open doors to cards with prime terms.
Good Luck
on 2008-10-14 Congrats on the card! Take care of t and it will open doors to cards with prime terms. Good Luck
Comment 3 by meya
Wahoooo on 2008-10-14
Way to go and welcome to the Hooter's family. I have not heard anyone talking about their APR being lowered, I only heard members being approved with lower Apr's. Its OK, as long as you are in the door, you are all good. They do give cli's every 7th statement. I know it seems weird but this how they work. So far we only heard of $200 cli's, maybe they will change the longer we are with them, but until then, keep the balance pretty low so that you don't have to pay the high finance charge, and check to see if your annual fee is yearly or do they add it to your statement monthly. Mines is monthly, I did not know that until I had taken a good look at the statement... Lol.
on 2008-10-14 Way to go and welcome to the Hooter's family. I have not heard anyone talking about their APR being lowered, I only heard members being approved with lower Apr's. Its OK, as long as you are in the door, you are all good. They do give cli's every 7th statement. I know it seems weird but this how they work. So far we only heard of $200 cli's, maybe they will change the longer we are with them, but until then, keep the balance pretty low so that you don't have to pay the high finance charge, and check to see if your annual fee is yearly or do they add it to your statement monthly. Mines is monthly, I did not know that until I had taken a good look at the statement... Lol.
Comment 4 by mrrob
Congrats on 2008-10-14
It took a while for my wife to receive her card as well. This card will definitely help you, hopefully once you get established Hooters can do something about that APR. Congrats
mrrob
on 2008-10-14 It took a while for my wife to receive her card as well. This card will definitely help you, hopefully once you get established Hooters can do something about that APR. Congratsmrrob
Comment 5 by arod
Congrats !!! on 2008-10-14
Great card... The apr is high but it will come down in time.
Take care,
Alex
on 2008-10-14 Great card... The apr is high but it will come down in time.Take care,
Alex
Comment 6 by rsty99
Happy Eating on 2008-10-14
I have card and yes it takes time, even called them and they said they didn't see my app, then card showed up. I have no problems and pay card off online at the web site.
on 2008-10-14 I have card and yes it takes time, even called them and they said they didn't see my app, then card showed up. I have no problems and pay card off online at the web site.
Comment 7 by thomas1
Congrats on 2008-10-14
Congrats on your approval. Remember the key to rebuilding is make sure each and every payment is on time, and keep your balance at billing at no more than 30% of your credit limit.
Good luck, and keep us informed of the overall use of your new card!!!
Take Care!
on 2008-10-14 Congrats on your approval. Remember the key to rebuilding is make sure each and every payment is on time, and keep your balance at billing at no more than 30% of your credit limit.Good luck, and keep us informed of the overall use of your new card!!!
Take Care!
Comment 9 by lilmama
Got The Card on 2008-10-19
Thanks for all the feedback and the welcomes! I only applied once thank goodness. I got the card in the mail today and activated it already. Post b/k since 5/08 and was happy for approval. I already have a Household MC with $300 limit and the annual fee is billed yearly. And, I got a Crown Jewelers with $2,500 limit (great because no credit checks but small down payment til 6 months). I applied for a Credit One card too. The first application was denied because they couldn't contact me. My fraud alert on Experian didn't have a contact number. So they had me re-apply. Hoping for that approval too. I want to get a new car by the 4th of July next year so I think all of these will elp prove my credit. Thanks again for all the help that I researched on here. Thought I was going to have to resort to Secured cards. :)
on 2008-10-19 Thanks for all the feedback and the welcomes! I only applied once thank goodness. I got the card in the mail today and activated it already. Post b/k since 5/08 and was happy for approval. I already have a Household MC with $300 limit and the annual fee is billed yearly. And, I got a Crown Jewelers with $2,500 limit (great because no credit checks but small down payment til 6 months). I applied for a Credit One card too. The first application was denied because they couldn't contact me. My fraud alert on Experian didn't have a contact number. So they had me re-apply. Hoping for that approval too. I want to get a new car by the 4th of July next year so I think all of these will elp prove my credit. Thanks again for all the help that I researched on here. Thought I was going to have to resort to Secured cards. :)
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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.
