topic Re: What was your 1st credit card? in Credit Cards

What was your 1st credit card?

MsCreditSavvy — Thu, 08 Sep 2011 03:35:24 GMT

Hey just curious to know. What was your very first credit card, what year was it opened , what was your CL then and what is It to date?

Mine was a Bank Of America student card in 2000 when i turned 18. They gave me $1500, I had no clue about credit and did horrible things with it so I decided to close it. :smileysad: Im much wiser now! :smileyvery-happy:

Re: What was your 1st credit card?

stoopidmunkee — Thu, 08 Sep 2011 03:40:52 GMT

My 1st credit card was US Bank starting CL was $500, I was 18 at the time. After like 4 months they gave me a CL of $1000; once I noticed that I figured that was a horrible thing for me to relize when I was looking at my bill. Sadly I made a huge mistake with the acconut it went in to collections, which I have recently paid off.

Gotta live and learn I guess...sadly I wish I didn't learn that way.

Re: What was your 1st credit card?

sgs10 — Thu, 08 Sep 2011 03:47:38 GMT

My first card was citi dividend with 2500 Limit and I have grown with citi.

Re: What was your 1st credit card?

Datx — Thu, 08 Sep 2011 04:15:36 GMT

Mine was a Cap One card with a limit of $200 IIRC, this was in 2000. It was a mainly black card with lightning strikes in the background. I remembered getting a letter in the mail from them, a pre-approval I guess I should say and you mailed it back with the lil sticker placed in lil box on the card design you wanted.

That was my very first card, didnt have much income working part time at the local grocery store and just out of high school. I wish I can go back in time with what I know now about credit.

Re: What was your 1st credit card?

clownfico — Thu, 08 Sep 2011 04:25:40 GMT

ATT Universal MC, CL 2000...opened in 1995. I cannot recall when and why I closed it. It still reports and definitely helps my credit file age finely!

Re: What was your 1st credit card?

Mandazoid — Thu, 08 Sep 2011 04:31:07 GMT

If you want to get technical about it, a bank account I opened my freshman year of college automatically came with a credit card for overdraft protection. I never used it to buy anything, but I wound up unemployed and used it for cash advances to pay my rent. That sucker's been paid off and closed since 2004, I think.

As far as credit cards that I've actually applied to get, the first one would be my Capital One Platinum Mastercard, opened this past February with a $500 CL, now a $750 CL (yay, Credit Steps!)

Re: What was your 1st credit card?

LTomBerry — Thu, 08 Sep 2011 04:51:11 GMT

Bank of America Student Visa, 2001, $2000 CLI to $5000.

AmEx Blue For Students, 2002, $2500

Closed em both in 2004 when I signed up with Money Management to get out of debt.

Just opened Amex BCP which got backdated to 2002.

Re: What was your 1st credit card?

FloridaState12 — Thu, 08 Sep 2011 04:57:27 GMT

Cap1 Platinum MC with a $300 CL, opened only a few months ago. Should be getting a CLI via the "Credit Steps" program pretty soon.

Re: What was your 1st credit card?

andre181 — Thu, 08 Sep 2011 05:24:07 GMT

On my 18th birthday (when I didn't know too much about credit or inquiries), I applied for:

Wells Fargo College Visa - Approved instantly $1000 CL (had to send copy of college enrollment) Now has CL of $2600
BoA Student Platinum Plus Visa - Approved instantly $500 CL, now has CL of $1500
Capital One Classic Platinum Visa (with $39 AF) - Approved $750, now closed CL was $1250
Amex Blue Student - DENIED
Discover More Student - DENIED
Citi Student card (Don't remember which one, they don't offer it anymore) - DENIED

I don't use these cards anymore. I mostly use my newer, higher CL cards. :)

Re: What was your 1st credit card?

BRmacguy — Thu, 08 Sep 2011 05:48:00 GMT

Wow, from many years ago...Chase visa..$500 limit in 1990. Was a college Freshman, who never learned about credit and how to use or take care of it. After a few years, learned a hard lesson about how to use it wisely.

Most recently an Orchard Bank MC $ 500 limit in March 2011. Have learned alot more about how/when to use credit wisely.

My first credit card was in December of 2006 Chase Amazon...

mrsbagalot1222 — Thu, 08 Sep 2011 06:11:08 GMT

My first credit card was in December of 2006 Chase Amazon Card $500 limit lol. I was the happiest girl to have gotten Chase as my first credit card:smileyvery-happy:

Re: What was your 1st credit card?

minimock — Thu, 08 Sep 2011 06:55:56 GMT

Nation's Bank Master Card 1993 $1000 CL

Here is an interesting read. Eventually becomming Bank Of America.

http://en.wikipedia.org/wiki/NationsBank

Im old lol, oh the humanity :D

Re: What was your 1st credit card?

Changingmantra — Thu, 08 Sep 2011 07:00:20 GMT

Citibank Visa $720 CL in 1989 when I was in college! By the time I was 25, it had a $6500 CL - I knew nothing about credit, and went on to ruin mine. VERY surprisingly, I was approved for a Discover card last week; I am still tripping on this. And I have always said, of all the cards that lost in bankruptcy, there r on two that I want to get back: Discover and Citibank - I feel I will be ready to app for a Citibank card next summer.

Re: What was your 1st credit card?

flyingmd — Thu, 08 Sep 2011 09:00:51 GMT

AMEX green back in 1979. I was in college and back then they handed out cc to college students like soda pop. Upgraded to the GOLD a year later, which was a huge deal. BAck then Platinum was very exclusive, not like it is today.

Re: What was your 1st credit card?

Pacman2012 — Thu, 08 Sep 2011 14:35:11 GMT

Technically Cap1 Secured card with a $300 limit (8/11) but I applied a week later for Bank of Americard Cash Rewards Secured with a $500 limit which I've already recieved, made purchases and made a payment on and it's reporting on my credit. Still havent received Cap1. Next card WILL be AMEX Zync

Re: What was your 1st credit card?

prolificjinx23 — Thu, 08 Sep 2011 15:42:27 GMT

That's funny Minimock because my first CC I received was from Barnett Bank 1997 with a $1000 CL eventually bought out by Nation's Bank & then becamce BOA!!! LOL!

Re: What was your 1st credit card?

AlmostHome78 — Thu, 08 Sep 2011 15:52:23 GMT

Discover card with a $1,000 limit in 1996. It had a pic of my college's library on it. :smileyhappy: By 2000, I managed to raise the limit to $7,000. But then I went overboard and destroyed my credit. :smileysad:

Re: What was your 1st credit card?

minimock — Thu, 08 Sep 2011 15:57:57 GMT

prolificjinx23 wrote:
That's funny Minimock because my first CC I received was from Barnett Bank 1997 with a $1000 CL eventually bought out by Nation's Bank & then becamce BOA!!! LOL!

I remember them. Those were the days when you applied through the mail LOL

Re: What was your 1st credit card?

mew — Thu, 08 Sep 2011 15:58:25 GMT

Wachovia card originally opened in 1993 with a $600 credit limit. CC was taken over by Bank of America the end of 2006 and today the credit limit is $15,000.

Re: What was your 1st credit card?

nomoore — Thu, 08 Sep 2011 16:14:33 GMT

My first was a Target store card in 1998 with a low limit ($200 I think). I was working for Target at the time and had no credit history. They didn't have the Target VISA yet. I kept that card and credit limit until they came out with the VISA later (a couple of years maybe?). They automatically upgraded me to the VISA when they started offering it and gave me a CL of $5900. I was SHOCKED considering I very rarely used the card. I didn't use it wisely, slowly adding to the balance for frivolous stuff until it was maxed. Then I stopped using it and started paying it down. I payed minimums or very slightly more for a while (perfect payment history on everything). When the laws came out where they showed how long it would take to pay at minimums and how much interest I would pay I decided it was time to do something about it. I already knew it would take forever to pay off and I would pay ridiculous amounts in interest if I paid just the minimums, but seeing it on paper pushed me to finally do something about it. I took out a personal loan to pay it off and I'm still paying it down. I will pay much less in interest this way and my monthly payment is fixed and slightly less than my monthly payment was before I took out the loan. I've been using the card responsibly since then and recently added an AMEX BCP to my garden. I'm also using it responsibly.