09-09-2011 09:21 PM - edited 09-09-2011 09:28 PM
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.
09-10-2011 03:34 AM
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.
09-10-2011 12:31 PM
Lazarus, JB Robinsons and JCP back in 1987....still have the JCP.
09-10-2011 07:32 PM
09-10-2011 08:30 PM
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)
09-11-2011 02:34 AM
09-11-2011 09:02 AM
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.
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