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How old are you, and...

Senior Contributor

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 | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 41 of 54
Frequent Contributor

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
Message 42 of 54
Regular Contributor

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
Message 43 of 54
Established Contributor

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***********$6,500************$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)
Message 44 of 54
Frequent Contributor

Re: How old are you, and...

25

 

 

Message 45 of 54
Contributor

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.
Message 46 of 54
Senior Contributor

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. Smiley Tongue


+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 | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 47 of 54
Senior Contributor

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 | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 48 of 54
Frequent Contributor

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.

Back to gardening as of 01-02-17.. 800+ across all three (via FAKOs) has been achieved! 5 INQs currently Smiley Happy
Message 49 of 54
Established Contributor

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.

 photo NUS000000180_160X101_STRAIGHT.gif photo DISCOVER_IT_LG.gif photo card_1.png photo night-launch.png photo NUS000000012_160X101_STRAIGHT.gif photo bankamericard-better-balance-rewards-credit-card-small.png
$15000 ........... $12500 ............ $11750 ............ $10000 ........... $9400 ............ $5000 ............. $5000
In the Garden until at least November 2015
Message 50 of 54