Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 8
Registered: ‎09-09-2011
0

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
Posts: 321
Registered: ‎10-25-2009
0

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.
Highlighted
Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008
0

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
Posts: 736
Registered: ‎07-07-2010
0

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
Posts: 380
Registered: ‎11-18-2007
0

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
Goal Score: 760 across the board by Jul 14


Take the FICO Fitness Challenge
Regular Contributor
Posts: 198
Registered: ‎03-23-2011
0

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
Posts: 93
Registered: ‎08-21-2011
0

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
Posts: 445
Registered: ‎10-23-2010
0

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
Posts: 93
Registered: ‎08-21-2011
0

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
Posts: 1,971
Registered: ‎02-06-2011
0

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


Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.