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


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Frequent Contributor
JMN
Posts: 321
Registered: ‎10-25-2009
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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:

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.
Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008
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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
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Re: What was your 1st credit card?

applied bank secured 250 card

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Frequent Contributor
rubaty
Posts: 380
Registered: ‎11-18-2007
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Re: What was your 1st credit card?

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


Current Score: EX 718 EQ 689 TU 757 23 Jun 13
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Regular Contributor
creditguy-378
Posts: 190
Registered: ‎03-23-2011
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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
Contributor
missji
Posts: 93
Registered: ‎08-21-2011
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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...

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Frequent Contributor
minimock
Posts: 443
Registered: ‎10-23-2010
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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)


Contributor
missji
Posts: 93
Registered: ‎08-21-2011
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Re: What was your 1st credit card?

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

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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
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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.


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Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
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