Reply
Member
Saucy
Posts: 8
Registered: ‎09-09-2011

Re: What was your 1st credit card?

[ Edited ]

Amex Optima in 1996 for $1300. I was young and it charged off in 2000 and I paid it off. Now I have a Zync, Gold, and BCP at $4000 all back dated to 1996.


Starting Score: EX 535 EQ 540 TU 542 - October 2008
Current Score: EX 702 EQ 695 TU 727 - October 2011
Goal Score: 760+


Take the FICO Fitness Challenge
Frequent Contributor
JMN
Posts: 312
Registered: ‎10-25-2009

Re: What was your 1st credit card?

I got three the minute I turned 18 (literally, I applied at 12:01am on my 18th birthday).

 

Citi - Student Visa with Cash Back. $3,000 limit. Current limit $18,000, now a ThankYou Card.

 

Bank of America - Student Visa. $1,500 limit. Current limit $25,000, now a B of A AmEx card.

 

Chase - Student Visa with points. $2,000 limit. Current limit $15,000, now a Freedom Card.

 

All are still open, and they've been joined by many new friends over the last 3 years. :smileywink:

Senior Regional Banking Manager, Vice President

Note: Despite the fact that I am a Senior Regional Banking Manager & Vice President, any advice or views contained in this post are not directly or indirectly backed by any financial institution.
Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008

Re: What was your 1st credit card?

MNBA ML+ with something like a 3klimit. I would't have gtten it if I didn't have a brokerage account with them already.
Established Contributor
gbishere
Posts: 736
Registered: ‎07-07-2010

Re: What was your 1st credit card?

applied bank secured 250 card

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Frequent Contributor
rubaty
Posts: 373
Registered: ‎11-18-2007

Re: What was your 1st credit card?

Lazarus, JB Robinsons and JCP back in 1987....still have the JCP.


Starting Score: EQ 698 TU 717
Current Score: EQ 757 TU 745 8 Dec 10
Goal Score: 760 by Jan 11


Take the FICO Fitness Challenge
New Contributor
creditguy-378
Posts: 138
Registered: ‎03-23-2011

Re: What was your 1st credit card?

my first credit card was a hsbc plat. mc app with grandma bam 7300 cl

always use credit wisely and you won't ever feel like your working just for the task master
Contributor
missji
Posts: 93
Registered: ‎08-21-2011

Re: What was your 1st credit card?

1994. $100, Chase; no job, in school, maxed it out ($100!) and went to a debt consolidation company to help me get out of debt bc I was afraid to tell my parents. They sent me home...

NEW GARDEN CLUB MEMBER as of 3/23/2013. No activity until 8/2015 unless it's an auto CLI.
Starting Score:
626
Current Score (as of 3/19/2013): 663
Goal Score: 750.
Take the myFICO Fitness Challenge
Frequent Contributor
minimock
Posts: 435
Registered: ‎10-23-2010

Re: What was your 1st credit card?


missji wrote:
1994. $100, Chase; no job, in school, maxed it out ($100!) and went to a debt consolidation company to help me get out of debt bc I was afraid to tell my parents. They sent me home...

If this was a recent occurance, you might not find the humor in it, but you will later in life lol


Scores: EQ (FICO) - 719 | EX (FAKO) - 710 | TU (FICO) - 710 - 03/13/2013



Barclays US Airways MC (5 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (4.2K) | Discover Miles (4K) | AMEX BCE (7 K)


Contributor
missji
Posts: 93
Registered: ‎08-21-2011

Re: What was your 1st credit card?

It happened in '94...cracks me up today!

NEW GARDEN CLUB MEMBER as of 3/23/2013. No activity until 8/2015 unless it's an auto CLI.
Starting Score:
626
Current Score (as of 3/19/2013): 663
Goal Score: 750.
Take the myFICO Fitness Challenge
Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: What was your 1st credit card?

My very first CC was an AmEx in 1991, I was 21, I can not remember what CC it was (I am thinking the Optima) with a 1900CL, I was young and maxed the card out very quickly, my Father said "son, pay this card off and close the acct, you are not ready for credit yet" I took his advice, payed it off over time, never late and closed the acct.

 

Good thing I took his advice, I now hold two AmEx Cards, the Blue Cash and the PR Gold, both backdated to 91.


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
www.myfico.com is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+