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

What was your first prime card?

mAndrew1980 — Fri, 23 Sep 2011 19:29:13 GMT

What was your first prime card and how did you get it? Pre-approved mail offer or blind application? By first prime card, I mean after re-building. Every day I come home checking my mail hoping I'll find a pre-approved offer for a prime cc. Deep down inside inside I know I won't get one until 1 or 2 baddies get removed from my CR (I have 3 altogether).

But just curious what your first prime cc was after rebuilding? Who was the first to take a chance on you? Did you know your CR has improved enough to get it or were you totally shocked?

Re: What was your first prime card?

Anonymous — Fri, 23 Sep 2011 20:24:26 GMT

My first prime card is my Bank of America Cash Rewards card. I was totally shocked that they approved me for it, but I guess having all my money with them was the difference maker. My second prime card is my Discover More.

Re: What was your first prime card?

Anonymous — Fri, 23 Sep 2011 20:30:02 GMT

Mines was a BoA Platnium Plus card with a $3k limit. It's at $13k now.

Re: What was your first prime card?

Iincognito — Fri, 23 Sep 2011 20:32:28 GMT

Amex Gold was my turning point...

Re: What was your first prime card?

Anonymous — Fri, 23 Sep 2011 20:32:42 GMT

@mAndrew1980 wrote:
What was your first prime card and how did you get it? Pre-approved mail offer or blind application? By first prime card, I mean after re-building. Every day I come home checking my mail hoping I'll find a pre-approved offer for a prime cc. Deep down inside inside I know I won't get one until 1 or 2 baddies get removed from my CR (I have 3 altogether).

But just curious what your first prime cc was after rebuilding? Who was the first to take a chance on you? Did you know your CR has improved enough to get it or were you totally shocked?

Good topic!

For me, Amex Green. I received an invitation to apply this past May. I was shocked by the approval, as I had 2 CAs and 4 COs showing on my reports. They're old, and a couple have fallen off between then and now, but they were indeed on there.

I'm planning on trying towards the end of the year for a BoA Platinum Plus MC that supports my alumni association. I'm really hoping that since Amex took a chance on me with scores that are lower than they are currently, then perhaps BoA will decide to take a chance, as well. By then, my scores should have inched up a bit more, as I'll have a bit more aging on my rebuilder accounts and the effects of an inq should drop off. Here's hoping...

Re: What was your first prime card?

Anonymous — Fri, 23 Sep 2011 23:08:49 GMT

Depends on the definition of prime. I had a BofA student Visa and Amex Blue for Students back in 02 before I went through my Dave Ramsey phase. In 09 I applied for the USAA World MC, got approved for the Platinum for $3k, then upgraded it to World MC after 6 months with CLI to $11k. Discover More and AmEx BCP have followed since.

Re: What was your first prime card?

Anonymous — Fri, 23 Sep 2011 23:55:41 GMT

Mine was a Wells Fargo Platinum Visa...started with a 1200 CL. Now I have a slew of cards thanks to Wells Fargo giving me a shot with my first credit card. Oddly enough, it's my oldest card with my lowest limit.

Re: What was your first prime card?

mAndrew1980 — Sat, 24 Sep 2011 00:19:46 GMT

Interesting responses. It seems like all we need is one to take a chance on us and the rest is history. Can't wait to get my first prime cc. Gonna be one of the best days of my life (seriously).

Re: What was your first prime card?

shane82388 — Sat, 24 Sep 2011 00:43:37 GMT

Apple Barclays Financing Card.

Then American Express Green very soon after that card posted on my credit report.

Re: What was your first prime card?

flowfaster — Sat, 24 Sep 2011 00:44:58 GMT

Chase Amazon Visa with 1k cl. The rest is history.

Re: What was your first prime card?

laboi_22 — Sat, 24 Sep 2011 00:57:40 GMT

Bank of America with limited credit history 4 months of Orchard Bank. Approved for $1000 four months later increased to $5000 and upgraded to Visa Signature. I love BofA. It may have helped that I have a home loan with them for years in awesome standing but as previously said...the rest was history!

Re: What was your first prime card?

Anonymous — Sat, 24 Sep 2011 02:31:33 GMT

Citi Dividend Platinum Select. If that's not considered a prime card, then AMEX Clear. And if that's not considered a prime card, then Chase Freedom.

Re: What was your first prime card?

Anonymous — Sat, 24 Sep 2011 02:32:52 GMT

amex zync

Re: What was your first prime card?

SevenNEW — Sat, 24 Sep 2011 02:52:06 GMT

Amex BCP and Chase Freedom (approved the same day after blind app, but I had been gardening my Cap 1 for 2 years.)

Re: What was your first prime card?

Anonymous — Sat, 24 Sep 2011 03:19:14 GMT

FIA fidelity amex

Re: What was your first prime card?

OnTheRebound — Sat, 24 Sep 2011 04:05:02 GMT

Citi Platinum Select with $8.7K starting limit. Now $12K. This was a preapproved offer in the mail. Shocked they appoved with that limit. Was expecting $500 if anything. Maybe having an old closed 17 year old Citi Shell CC in good standing still reporting had something to do with it?

Re: What was your first prime card?

tengtengvn — Sat, 24 Sep 2011 05:25:13 GMT

My first cards were BoA Visa and CapOne. BoA was $500, that card is now a 10k cash rewards Visa card. The CapOne was at $300, now $750 which I don't even use anymore.

Re: What was your first prime card?

scottwagnon — Sat, 24 Sep 2011 06:43:28 GMT

Wells Fargo platinum visa. cold app. 3k, and 14.5% purchase apr at time of approval. opened august 2006. actually i had opened 2 prime cards before then, (one in 2004 and one in 2005), but i do not consider them my very first prime card.

Re: What was your first prime card?

the_jan_b — Sat, 24 Sep 2011 12:19:07 GMT

Not sure if this is considered a "prime" card, but I got a NFCU Visa...

Re: What was your first prime card?

Anonymous — Sat, 24 Sep 2011 19:34:06 GMT

amex zync

not sure if everyone considers it prime, but was great way for me to get my foot in the door