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Hooters MasterCard FAQ
Q: Is there a fee
to have a Hooters MasterCard?
A: For well-qualified applicants, there is no annual fee. Others may be offered a product that has an annual fee.
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Q: Where can I use my
Hooters MasterCard?
A: The Hooters MasterCard is a card that can be
used anywhere MasterCard cards are accepted worldwide.
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Q: Can I use
my Hooters MasterCard to obtain cash?
A: Yes! A Hooters MasterCard can be used at over 900,000 ATMs worldwide.
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Q: What are your current rates?
A: Please refer to our
Rates and Terms online or on the back of a Hooters MasterCard
application.
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Q: What
is the minimum payment on my Hooters MasterCard?
A: You can pay as little as 3% of your new balance or $20, whichever is greater
as long as your Account is in Good Standing.
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Q: What if I have
had credit problems in the past?
A: Hooters MasterCard specializes in offering credit to individuals who have
had blemished credit. We offer a wide range of products to meet your needs.
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Q: Can
a Hooters MasterCard help re-establish my credit?
A: We report activity on your Account to all three major credit bureaus.
Consistent reports of a positive payment history can help improve your credit
rating. This reporting includes our secured credit cards as well.
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Q: Do you grant credit line
increases?
A: Continue to make on-time payments and your Account may be reviewed for an
automatic credit line increase. If you have been selected to receive a credit
line increase, a notice will be provided to you on your billing statement with
your the new credit limit assignment. You can also request a credit line
increase at 1.800.850.HOOT (4668).
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Q: How old must you be to apply?
A: You must be at least 18 years of age to apply.
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Q: What is the credit
limit on new Accounts?
A: The credit limit for each new Account will vary. The determination of the
credit limit is based upon your application information, your capacity to pay,
and your credit history with other creditors. The assigned credit limit will
appear on your card carrier.
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Q: How many people can be on
one Account?
A: We do not offer joint Accounts. An Account can be established for
individuals only. However, authorized users can be added for Account usage.
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Q: Can additional cards be sent to sons, daughters, employees, etc. as
authorized users?
A: Yes, authorized users are permitted; please call us at 1.800.850.HOOT (4668)
to speak with a Customer Service Representative to assist with your request to add
an authorized user.
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Q: What are the
late or over limit fees on the card?
A: Please refer to our
Rates and Terms online or on the back of a Hooters MasterCard
application.
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Q: Is there a fee on cash
advances?
A: Yes, there is a fee of $5.00 or 4% of the cash advance, whichever is
greater.
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Q: Can
I pay my Hooters MasterCard bill at a Hooters location?
A: Unfortunately, no.
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Q: Is there a website where I can manage my Account and make payments?
A: Yes. The website address is www.HootersCard.com.
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Q: Do you offer
Payment Protection with this card?
A: Payment Protection is offered on your application or by calling
1-800-850-HOOT.
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Q: What is phishing?
A: Phishing (pronounced "fishing") refers to fraudulent communications designed
to deceive customers into divulging personal, financial or Account information.
These scams come in different forms and are evolving regularly, such as e-mails
that provide a link to a fraudulent site, inviting the recipient to enter
personal information. In addition, several computer viruses have recently been
used in an effort to silently capture information from infected machines. This
underscores the importance of ensuring that your computer is fully patched, per
the manufacturer's instructions.
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Q: How does phishing work?
A: Phishing works by making an e-mail or website appear to be legitimate,
thereby providing potential victims with a false sense of security, while
simultaneously creating a sense of urgency for immediate action to prevent
cancellation of an account.
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Q: What does phishing look like?
A: The nature of phishing schemes has evolved and is likely to continue to do
so in the future. Currently, online/e-mail phishing is best described by the
following characteristics:
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E-mails using company logos and familiar language reporting a problem and
asking you to update your account information by prompt return e-mail or by
filling out a website form.
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HTML links in e-mails that may resemble those of a legitimate business and
direct you to websites that use company logos or otherwise appear to be
authentic.
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E-mails with attachments asking you to install software so that fraudsters can
use it to record your keystrokes and online activity.
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E-mails that contain typographical or grammatical errors.
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Windows that pop up over a legitimate company's website asking you to enter
personal information.
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Q: How do I protect myself
from phishing?
A: Consider whether the company would be likely to ask you for the kind of
information being requested. Keep in mind; you do not need to give a company
with which you have a business relationship your personal information. The
company should maintain that information in their secured records. If you are
at all in doubt about the authenticity of the communication, do not respond to
the information request. Instead, contact the company through familiar
communication channels (e.g., the phone number provided on your billing
statement or credit card). Do not click on a link in an e-mail when you are not
sure of its legitimacy, even if it looks genuine. If you feel your Hooters
MasterCard Account information has been compromised, please contact
1-800-850-HOOT.
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Avoid e-mailing personal and financial information.
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Never open e-mail attachments from unknown sources and delete the e-mail in
question immediately.
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Regularly review your Account statements.
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Do not share IDs/user names and passwords.
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Change your passwords regularly.
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Install the latest anti-virus and firewall applications to your computer.
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Follow your computer manufacturer's recommendations to ensure that your
computer is current on its patches.
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