Established Member
Posts: 11
Registered: ‎08-25-2007

What was your 1st credit card?

Hey just curious to know. What was your very first credit card, what year was it opened , what was your CL then and what is It to date? 


Mine was a Bank Of America student card in 2000 when i turned 18. They gave me $1500, I had no clue about credit and did horrible things with it  so I decided to close it. :smileysad: Im much wiser now! :smileyvery-happy:


Barclays Apple $6300 | Wally Disc $6000 | Sears Citi MC $6000 | Care Credit $5400 | Amex BCE $5000 | Citi Thank You Preferred $3500 | Merrick Bank $3300 | Capital One $3000 | Cap One Venture $3000 | Cap One Quick Silver $3000 | Dell $2000 | Macys $2000 | Discover More $1500 | Best Buy $750
Regular Contributor
Posts: 207
Registered: ‎01-28-2009

Re: What was your 1st credit card?

My 1st credit card was US Bank starting CL was $500, I was 18 at the time.  After like 4 months they gave me a CL of $1000; once I noticed that I figured that was a horrible thing for me to relize when I was looking at my bill.  Sadly I made a huge mistake with the acconut it went in to collections, which I have recently paid off.


Gotta live and learn I guess...sadly I wish I didn't learn that way.

CITI - $3500 - CAP1 - $750 - RZMC - $600 - BOA - $600 - CAP2 -$500 - Credit Union $500

TU: 707 (From Wal-Mart's website) * Finally made the 700 club!!!!!!!*
Regular Contributor
Posts: 204
Registered: ‎08-03-2010

Re: What was your 1st credit card?

My first card was citi dividend with 2500 Limit  and I have grown with citi.

Valued Contributor
Posts: 1,051
Registered: ‎05-20-2010

Re: What was your 1st credit card?

[ Edited ]

Mine was a Cap One card with a limit of $200 IIRC, this was in 2000. It was a mainly black card with lightning strikes in the background. I remembered getting a letter in the mail from them, a pre-approval I guess I should say and you mailed it back with the lil sticker placed in lil box on the card design you wanted.


That was my very first card, didnt have much income working part time at the local grocery store and just out of high school. I wish I can go back in time with what I know now about credit.

TU: 603 – EQ: 569 – EX: N/A – May 2010

Valued Member
Posts: 35
Registered: ‎06-07-2008

Re: What was your 1st credit card?

ATT Universal MC, CL 2000...opened in 1995. I cannot recall when and why I closed it. It still reports and definitely helps my credit file age finely!

Posts: 92
Registered: ‎08-23-2011

Re: What was your 1st credit card?

If you want to get technical about it, a bank account I opened my freshman year of college automatically came with a credit card for overdraft protection. I never used it to buy anything, but I wound up unemployed and used it for cash advances to pay my rent. That sucker's been paid off and closed since 2004, I think.


As far as credit cards that I've actually applied to get, the first one would be my Capital One Platinum Mastercard, opened this past February with a $500 CL, now a $750 CL (yay, Credit Steps!)

Starting Score: 609 (8/23/11)
Current Score: TU: 799 (7/31/14) EX PLUS: 770 (5/7/14)
Goal Score: 820
Frequent Contributor
Posts: 398
Registered: ‎08-02-2011

Re: What was your 1st credit card?

Bank of America Student Visa, 2001, $2000 CLI to $5000.

AmEx Blue For Students, 2002, $2500


Closed em both in 2004 when I signed up with Money Management to get out of debt.

Just opened Amex BCP which got backdated to 2002.

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Established Contributor
Posts: 614
Registered: ‎08-24-2011

Re: What was your 1st credit card?

Cap1 Platinum MC with a $300 CL, opened only a few months ago. Should be getting a CLI via the "Credit Steps" program pretty soon.

Established Contributor
Posts: 628
Registered: ‎07-29-2010

Re: What was your 1st credit card?

[ Edited ]

On my 18th birthday (when I didn't know too much about credit or inquiries), I applied for:


  • Wells Fargo College Visa - Approved instantly $1000 CL (had to send copy of college enrollment) Now has CL of $2600
  • BoA Student Platinum Plus Visa - Approved instantly $500 CL, now has CL of $1500
  • Capital One Classic Platinum Visa (with $39 AF) - Approved $750, now closed CL was $1250
  • Amex Blue Student - DENIED
  • Discover More Student - DENIED
  • Citi Student card (Don't remember which one, they don't offer it anymore) - DENIED

I don't use these cards anymore. I mostly use my newer, higher CL cards. :smileyhappy:

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Member
Posts: 16
Registered: ‎07-22-2008

Re: What was your 1st credit card?

Wow, from many years ago...Chase visa..$500 limit in 1990.  Was a college Freshman, who never learned about credit and how to use or take care of it.  After a few years, learned a hard lesson about how to use it wisely.


Most recently an Orchard Bank MC $ 500 limit in March 2011.  Have learned alot more about how/when to use credit wisely.

Starting scores: 550-575 all 3
Current Scores:644 EQ (myfico 2-27-13), 659 TU (myfico 2-29-13) 659 TU (walmart fico 2-4-13, 690 EX Fako (credit sesame 2-6-13)

Discover More $1300, WalMart Discover $3000, Orchard Bank $500, Amazon Store Card $2300, Lowes $5000, JCPenny $700, Old Navy $1200, Buckle $300

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.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+