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Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012

Re: How old are you, and...

I'm 33, and I think I had my first CC when I was 18.  I ended burning all lenders (I had Chase, Citi, Cap1, A&F, total of 10+ cards i think) in college years.  Slowly but surely I see my credit being restored, as i see the scores continue to rise.  

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Frequent Contributor
Posts: 280
Registered: ‎05-16-2013

Re: How old are you, and...

I got my first credit cards when I was 18.  Pre approvals for Discover, JCP, Sears and then added a Home Depot.. Screwed them all up!  Tried to start again around 27 but it went south again. Got divorced and recovering from all the credit woes I am now on a good track. I am 38 and haven't had a missed or late payment on my CR in 6 years.




last app 11/13/2013 gardening for at least a year
Regular Contributor
Posts: 230
Registered: ‎09-26-2013

Re: How old are you, and...

Im 44 and I dont remember.

 

 

lol  I think i got my first cc when i was 24.  

 

Now I have 10 with aproximately 17% utilization reporting, actual uti of 7%

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Established Contributor
Posts: 794
Registered: ‎07-01-2013

Re: How old are you, and...

I'm 22 and I got my first card at 19, iirc it was the BoA Cash Rewards31

ManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.comManiacGamers.com****$20,000**********$5,000***********$4,100***********$3,500**********$2,500***********$1,000****
EQ - 688 (10/9/13) | TU - 705 (02/18/14) | EX - 701 (10/9/13) | CS Fako - 717 (10/4/13) | CK Fako - 697 (11/05/13)
Frequent Contributor
Posts: 365
Registered: ‎02-27-2013

Re: How old are you, and...

25

 

 

Citi Thank You Premier 60k, Alliant 30k, AMEX Blue 30k, Chase Sapphire Preferred 30k, BoA VISA Rewards 30k, Wells Fargo 30k, Barclays Arrival+ 30k, Citibank Custom Credit Line 12k, Macys/AMEX 2.5k/500

EFX ???, EXP ???, TU 780 - Dec 2014
Contributor
Posts: 116
Registered: ‎09-04-2012

Re: How old are you, and...

I'm 21.

Got My First CC 3 Months After Turning 18. The Now Retired Blue/White No Hassle Rewards CapOne MC.
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012

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:


+1, I really thought Lexie was in her 20s...maybe early 30s.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Senior Contributor
Posts: 4,654
Registered: ‎06-21-2012

Re: How old are you, and...


starry1 wrote:
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.

I thought you were in your 20s, too....like Lexie.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Regular Contributor
Posts: 239
Registered: ‎11-25-2012

Re: How old are you, and...

I'm 23.

 

First credit card was the Target store card just after I turned 18.  I would've gone wild shopping with it (cute clothes become 10x more tempting when you first get some plastic, lol), but my mom was (thankfully) a hardass about making sure I paid my bills on time.


Building the perfect card portfolio, one app at a time.
Available credit: $60+k - INQs: 1 TU, 1 EX, 0 EQ
Discover TU 1/15: 772 Quizzle EQ: 1/19/15: 776
CK: 796 1/19/15 & CS: 771 1/19/15
Planned apps: NONE! Gardening indefinitely! - Palladium Spade 1/14/15
Established Contributor
Posts: 786
Registered: ‎10-11-2013

Re: How old are you, and...

I'm 23. I got my first credit card (cosigned with my mother) at 18 from a local CU.

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In the Garden until at least May 2015.

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