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Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Credit Card nostalgia & memories

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Credit Card nostalgia & memories

This one is just for fun

 

 

and yes, I'm bored right now.  Raining and had outdoor projects planned.  Where do I find myself....here for some reason.....or no reason at all :smileyvery-happy:

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Credit Card nostalgia & memories

Another oldie but goodie are the circulars that were published containing a hotlist of card numbers that were not to be accepted. You had to call in if the card number was in the book. I can't remember what the threshold was for calling in for an approval, but it was pretty low. I remember those lists from 1970/71. I worked in a pharmacy and later a liquor store both of which still had house accounts for their customers. My neighborhood was fairly afluent - there was a good mix of both types of accounts. These days you can't even run a tab in your local!

Established Contributor
pattycake
Posts: 758
Registered: ‎04-30-2007

Re: Credit Card nostalgia & memories


txjohn wrote:

This one is just for fun

 

 

 

and yes, I'm bored right now.  Raining and had outdoor projects planned.  Where do I find myself....here for some reason.....or no reason at all :smileyvery-happy:


 

NICE!!!!

 

You should come here to Tempe, Arizona!  It's sunny and 107.  I think my a/c is going absolutely nuts right now. 

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: Credit Card nostalgia & memories

My first American Express card was c. 1977/78. It was a gold card and looked pretty much like today's model.
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Credit Card nostalgia & memories

Yep, had my first cc's in the 80's.  I could spend up to $50 on my Visa and no call in.  Above $50 required approval....a 6 digit code.

 

I knew a fellow who went crazy Christmas 1988.  He lost his job and he was going through a divorce.  He decided to live it up that holiday.  He spent over $18,000 in 2 days going to Kmarts buying stuff $$49.99 or less.

 

I don't know what happened to him....but I just couldn't believe what he was doing!

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Credit Card nostalgia & memories


pattycake wrote:

txjohn wrote:

This one is just for fun

 

 

 

and yes, I'm bored right now.  Raining and had outdoor projects planned.  Where do I find myself....here for some reason.....or no reason at all :smileyvery-happy:


 

NICE!!!!

 

You should come here to Tempe, Arizona!  It's sunny and 107.  I think my a/c is going absolutely nuts right now. 


 

Patty - I said I had outside projects planned, and heat stroke wasn't one of them :smileyvery-happy:

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Established Contributor
pattycake
Posts: 758
Registered: ‎04-30-2007

Re: Credit Card nostalgia & memories


txjohn wrote:

pattycake wrote:

txjohn wrote:

This one is just for fun

 

 

 

and yes, I'm bored right now.  Raining and had outdoor projects planned.  Where do I find myself....here for some reason.....or no reason at all :smileyvery-happy:


 

NICE!!!!

 

You should come here to Tempe, Arizona!  It's sunny and 107.  I think my a/c is going absolutely nuts right now. 


 

Patty - I said I had outside projects planned, and heat stroke wasn't one of them :smileyvery-happy:

 

 


 

You'd melt before you could stroke, and they'd just find a goopy spot on the lawn under a pile of rumpled clothes...:smileyindifferent:

 

I had my first card in the 1980s, but we were using terminals to verify at that time (I worked at a restaurant in a hotel).  That was when merchants couldn't tell the difference between a debit or credit card at the time, and instant CC approvals were often granted with a Visa debit.  

pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: Credit Card nostalgia & memories

Yeah, in the beginning when terminal authorizations came out, it sorta took a while before they got everywhere.  Some businesses stuck with the old manual methods for quite a long while.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549

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