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What was your 1st credit card?

Member

Re: What was your 1st credit card?

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+


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Message 41 of 110
Frequent Contributor

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. Smiley Wink

Despite my employment in the banking industry, any and all views contained in this post are purely my own, and do not represent any financial institution, nor constitute as financial or investment guidance or advise.
Message 42 of 110
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Valued Contributor

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.
Message 43 of 110
Established Contributor

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
Message 44 of 110
Frequent Contributor

Re: What was your 1st credit card?

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


Current Score: EX 772 EQ 777 TU 783 15 Jan 17
Goal Score: 815 across the board by Jan 18


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Message 45 of 110
Regular Contributor

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 you're working just for the task master
Message 46 of 110
Contributor

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.
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Message 47 of 110
Frequent Contributor

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) - 730 | EX (FICO) - 722 | TU (FICO) - 713 - 06/25/2014



US Airways MC (5 K) | US Airways World MC (10 K) | Chase United Airlines Sig VISA (5K) | BOA Rewards Sig Visa (10K) Citi Dividend Plat MC (5.6K) | Discover Miles (6.6K) | AMEX BCE (7 K) | AMEX Plat Delta (11 K) | BOA PLAT (7.5K)


Message 48 of 110
Contributor

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.
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Message 49 of 110
Valued Contributor

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

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Message 50 of 110