10-17-2013 09:47 AM
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.
10-23-2013 01:09 PM
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.
10-23-2013 04:33 PM
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%
10-24-2013 08:27 AM
I'm 22 and I got my first card at 19, iirc it was the BoA Cash Rewards31
11-16-2013 03:43 PM
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.
+1, I really thought Lexie was in her 20s...maybe early 30s.
11-16-2013 03:44 PM
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.
11-16-2013 04:47 PM
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.
11-17-2013 07:11 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.