topic Re: What was your first credit card? in Credit Cards

What was your first credit card?

Anonymous — Wed, 04 Apr 2018 17:39:58 GMT

Mine was an Old Navy store card I got for being an authorized user on my husband's account.

Re: What was your first credit card?

UpperNwGuy — Wed, 04 Apr 2018 17:50:45 GMT

The student version of the original BankAmericard issued by the old North Carolina National Bank. The year was 1973, and every student at the University of North Carolina who was finishing up their junior year received an application in the mail. The APR was 18%. I had that card until 2001 when Bank of America closed it as an adverse action because of high utilization across all my cards. I was going through a divorce.

My second card was from Exxon in 1974. In those days, Exxon issued their own cards, without partnering with any bank. The APR was 18%. I finally closed that card in 2017 after 43 years of service.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 17:47:27 GMT

@Anonymouswrote:
Mine was an Old Navy store card I got for being an authorized user on my husband's account.

Time for a trip down memory lane...my very first card was a Citibank Visa that I got as a new-minted college graduate with my first full-time job in 1985, with a credit line of $500, which would work out to something like $1150 in 2018 dollars. I had no notion of how to handle credit in those days, obviously, so my very first purchase was to put something like 50% utilization on it by running out to Circuit City and buying a VCR, and I'd pretty much maxed it out by the end of the year. I have no notion of how I was able to get a mortgage in 1992 with only two (count 'em, two) credit cards with high utilization on both.

Re: What was your first credit card?

ChessChik47 — Wed, 04 Apr 2018 18:16:40 GMT

My first was a Citibank Visa in 1992 with a $1000 limit...I remember my Mom sending it to me in college freshman year because it came in the mail directly as a pre-approved card. She wrote a little note to me that said something like "use this wisely"...which went in one ear and out the other, lol! First thing I did? Went to the bank and did a cash withdrawal!! LOLOLOL!!! Talk about young and dumb!

Re: What was your first credit card?

negg — Wed, 04 Apr 2018 18:21:34 GMT

oh man. Got to get in my way back machine for this. Citibank visa that was the standard back then gold/White/blue stripes. I think they gave me a $500 limit which I maxed out in 3 days.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 18:32:00 GMT

My first card was from 1st Financial Bank with a $600 limit. I was 18 at the time.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 18:31:32 GMT

Discover card when I was in college. Don't think I used it once as the limit was 500 dollars.

Re: What was your first credit card?

Jimp2323 — Wed, 04 Apr 2018 18:39:13 GMT

Zale's Jewelers in 1974. I thought I wanted to buy an engagement ring. When I presented it to my GF she informed me that I didn't want to buy an engagement ring. Back to the store it went. But at least I got the card to remember her by.

Re: What was your first credit card?

Schwartzinator — Wed, 04 Apr 2018 18:45:01 GMT

The USBank College Visa card with a $300 limit that I product changed to the Platinum card, then the Cash Rewards, and finally the Cash+ once they removed the 5k min requirement for Signature cards. Ironically, my credit limit was raised to 5k about a month later.

Re: What was your first credit card?

simplynoir — Wed, 04 Apr 2018 18:49:41 GMT

Capital One Platinum card back in 2003 while I was still in high school. Still have it actually it being my oldest card in my reports.

Re: What was your first credit card?

DeeBee78 — Wed, 04 Apr 2018 18:53:10 GMT

I believe it was a Target Red Card, back in 2004. I got it when I worked at Target because there was a massive clearance sale on digital camcorders in the electronics department. I knew I could re-sell every single one of them on eBay for at least twice what I paid for them, but I didn't have a lot of cash.

I let my co-worker process my credit app, and was approved for $500, which was enough to buy 5 of them with my employee discount. Made about $1000 in profit on them, so not a terriblereate of return. Paid for my Disney Cruise at the end of my Freshman year of college

Re: What was your first credit card?

Dave4fun — Wed, 04 Apr 2018 19:05:05 GMT

Ahhh nostalgia! It was 1976... I was 16, I filled out the paper application for an ARCO gas card. My mom had an account, and she wrote a little letter that I amiled with the application. Three weeks later my very own ARCO card came. In November 1977 I filled out the paper application for a JCPenney card. Just in time for Christmas that year my card came. I was so excited with my $200 credit limit. I consider JCP to be truly my first card since it was for a department store. I still have that same account, nearly 41 years later.

Re: What was your first credit card?

FireMedic1 — Wed, 04 Apr 2018 19:15:51 GMT

AU on mothers card. 1979-80? $750. Maxed it out and she took it away from me.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 19:17:37 GMT

Discover it for Students last year

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 19:20:37 GMT

TD Cash Secured Credit Card with $500 limit. Yes, I got approved for $5,000 but I didn't want to put down more money. Maxed card only once and had it since December 2016.

Re: What was your first credit card?

SteelCityPride — Wed, 04 Apr 2018 19:24:47 GMT

1989 Wells Fargo Mastercard $500 limit maxed out first month

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 19:41:43 GMT

First card was several years ago, a Schools First FCU Visa Credit Card (now it's a MC) at $500, my mom as co-buyer. My mom warned me to never owe more than half of it on any statement, and I kept true to that promise....usually.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 20:35:20 GMT

First Union Bank secured $500 limit. It was bought out by Wachovia who got bought out by Wells Fargo.

Re: What was your first credit card?

CMoore515 — Wed, 04 Apr 2018 20:56:28 GMT

First card was a Capital One Platinum Mastercard. I was 20, still have the card today, I'm almost 30 now. Card started at $300 and is now at $2,150.

Re: What was your first credit card?

Anonymous — Wed, 04 Apr 2018 21:42:59 GMT

The first credit cards I ever got were Aspen MasterCard and Aspire Visa when I was 20 years old.