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Frequent Contributor
enxinas
Posts: 269
Registered: ‎06-08-2013

Re: How old are you, and...


09Lexie wrote:
I was an AU on my parents ccs when I was 16, got my first Visa with BoA when I opened my own checking account in Westwood in 1982. I'm 49 yrs old

I honestly thought you're in the late 20s. :smileytongue:

TU: 719 (Discover: 12/14)     EX: 718 (WF)      EQ: 755 (myFICO)
I am a gardener til 7/1/14 or beyond

Valued Member
tanyia1969
Posts: 30
Registered: ‎07-20-2008

Re: How old are you, and...

i'm 43 soon to be 44 end of next month. Applied for my first card when i was 18. Remember how long it took to get an approval in the 1980's?

Community Leader
Valued Contributor
DaveSignal
Posts: 2,111
Registered: ‎07-29-2011

Re: How old are you, and...

I'm 32.  I got a bunch of sub-prime cards when I was 18, and wrecked my credit doing cash-advances because I was addicted to drugs.  Got over that and got a decent job and got some prime cards in my early 20s.  Lost my job when I was 27 and wrecked my credit again.  Then I enslisted in the Army where I work a technical job while taking college courses and making a decent amount of money (80k).  The Army has foced me to fix my credit.  I am doing quite well after 5 years in this profession and am enjoying life and my continued improvement.  I enjoy serving my country.  I would recommend such a military job for anyone with credit problems (unless you are overweight).

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Established Member
noober0x
Posts: 20
Registered: ‎06-11-2013

Re: How old are you, and...

25, First CC at 18.  Someone stole that before I even received it and had to close and reopen.  Interesting how they only charged $2.95 cents to PayPal.

 

Thankfully I caught that before my credit took a dive before it was even made.  Now, I have too many cards to think about.

Chase Sapphire Preferred - $18,000; Chase Freedom - $4,500; Chase Amazon - $3,000; Chase Ink Bold - NPSL; Amex Plum - NPSL; Amex True Earnings - $30,000; eBay Mastercard - $1,500; Capital One Platinum - $500; Logix Platinum Rewards - $15,000
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HiLine
Posts: 3,092
Registered: ‎10-19-2012

Re: How old are you, and...


enxinas wrote:

09Lexie wrote:
I was an AU on my parents ccs when I was 16, got my first Visa with BoA when I opened my own checking account in Westwood in 1982. I'm 49 yrs old

I honestly thought you're in the late 20s. :smileytongue:


Her daughter is in her mid 20s :cattongue:

Valued Contributor
thom02099
Posts: 1,335
Registered: ‎08-30-2011

Re: How old are you, and...


enxinas wrote:

at what age did you get your first CC??

 

I'm 23, and I got my first CC when I was 18. (It is my WF CC. )


I'm 62 next month.  Got my first credit card (charge card, actually!)  in 1972.  Carte Blanche Card.  I was gonna travel and see the world and thought it was a really cool card for that purpose.  Never did any travel though, in that time period.  Got my first AMEX in '76...a Green card. 

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 799 EQ = 812 TU = 811 - 11/2014
Frequent Contributor
kimmiller112
Posts: 468
Registered: ‎04-09-2012

Re: How old are you, and...

I am 39 and I got my first credit card at 19, at college when they would set up tables trying to get as many students to sign up as possible.  I had at least 10 cards but didn't know much about credit so I screwed it up.  Fast forward to 2005 and filing bankruptcy, then to now  where I have credit scores close to 700.  It's been a long journey but I'm happy with how I've recovered.

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $5000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Regular Contributor
eagles08
Posts: 236
Registered: ‎04-24-2013

Re: How old are you, and...

[ Edited ]

I'm 21 now.  Got my first card at 18, the BB&T card.  It was a joint account my mom co-signed with me for to get my credit established.  Now it is only mine and I've picked a few credit cards along the way!  Glad I had a mom that trusted in me and cared about my credit!  A lot of my friends have no credit and have no clue what it is or how it works!

AMEX BCE- $12,600 I Discover IT- $10,000 I Chase Freedom- $7,000 I Citi Double Cash- $3,300 I Best Buy- $2,800 I Bayport CU Visa- $1,000
Community Leader
Valued Contributor
starry1
Posts: 2,271
Registered: ‎11-29-2012

Re: How old are you, and...

I'm 44, got my first card at 19, a BankOne mastercard. I kept that card until I was about 30 through several different banks, but then it ended up with someone I didn't want to do business with, either wf or bofa, and I closed it. They tried to like triple my interest rate.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 11/14/14 TU 649; EQ 648; EX 653
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / nRewards $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Valued Member
mmoon24
Posts: 29
Registered: ‎06-30-2013

Re: How old are you, and...

Currently 23. Got my first card when I was 17. Was a Chase +1. Didn't really use it all that much, but my parents paid for it while I was at college. Definitely helped me build my credit score. Also established a good relationship with Chase.

Current Cards:
AMEX Blue Cash Preferred (5/2013): CL - $9,900
Chase Sapphire Preferred (7/2013): CL - $8,700
Chase Freedom (8/2012): CL - $4,000
Chase Freedom (7/2007): CL - $1,300

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