Key Bank Visa...mailed to me 2 days before I left for college in 1994. It had a $1,500 limit and no AF. Back in those days, I thought someone would haul me off to jail if I didn't pay my entire balance by the due date, so I often paid in advance (debit cards were scarce back then)..waited for the payment to post...then used the card. They didn't like that too much, so when I called them about a question later in the term, they kindly told me to wait until the charge posted to pay.
Looking back, I wish I had just kept doing what I was doing...would have spared me some major credit heartache. Oh well...lesson learned.
Starting Score: EQ 546, EX 547, TU 580