topic Re: Oldest Cards - Original Card and CL Estimates in SmorgasBoard

Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 03:20:02 GMT

On your oldest cards, what card did they start out as and estimated CL at the time? If you can remember. Best guess is good.

My DC card started back in 2001 as a Citi Platinum Select with a $6500 CL. Statements were basic. Single digit APRs early on. Got enrolled in their points program which eventually transformed into TYP.

BoA cash rewards started as a MBNA MLB card in 2003 with a CL around 19,700. Got a mlb blanket for signing up lol. No rewards.

Cap one was a No Hassle rewards card with a line of 17,500. Still have a single digit APR.

The only recent change is my CF was a CFU originally in 2017 with a CL of 19,100.

OT note: The Nationals started as the Expos in 1969 with a minor league field lol.

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 03:35:48 GMT

My first ever card was a BoA no-frills card with 18.99%V and a $4500 SL IIRC. That was back in 2004.

My first card when I started my rebuild was a Capital One Platinum. 2014, 21.99%V I believe. $300 SL which is now $8250 and has been PC'd to QuickSilver

My next oldest account that's still open is from 2018 so not old at all.

Re: Oldest Cards - Original Card and CL Estimates

wasCB14 — Thu, 31 Oct 2019 04:23:31 GMT

$600 Freedom, 2013.

$4k now (and have 4 other Chase cards)

@Anonymous wrote:
OT note: The Nationals started as the Expos in 1969 with a minor league field lol.

I went to a Vermont Expos minor league game around 2000.

Re: Oldest Cards - Original Card and CL Estimates

FieryDance — Thu, 31 Oct 2019 08:50:48 GMT

Me:

Discover Student

Opened 2010

SL $1.5K

Auto increased to $10K

Luv button shows $2.5K

DH:

BoA Student Visa

Opened in 2009

SL over $1K

Auto increased to $21K

Became a Visa Signature

Re: Oldest Cards - Original Card and CL Estimates

Gunnerboy — Thu, 31 Oct 2019 03:50:14 GMT

Four oldest active tradelines:

Nordstrom Store Card (opened in 1992) - SL $500, currently $4,000 (I only use this twice a year.)

AMEX Gold (opened in 1993)

Sound Credit Union Visa (opened in 1996) - SL $6,000, currently $20,000 (only auto-CLI's)

Boeing Employee Credit Union Visa (opened in 1998) - SL $7,000, currently $30,000 (only auto-CLI's)

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 03:52:23 GMT

Wow, no PCs or buyouts.

Re: Oldest Cards - Original Card and CL Estimates

icednightpaper — Thu, 31 Oct 2019 04:08:33 GMT

Credit journey started Nov 2014 with a local, non-student, credit union card. It's still open, SL $500 and through 3 HP and 1 SP increases, now sits at $10,000. I would product change it from 1% everything to the 1.5% everything version, but I like the fixed 11.99 APR because I think it's neat to have one as a credit card even if I don't carry balances.

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 04:14:16 GMT

First ever card was a Wells Fargo Platinum Visa. SL was $1,000 back in 2001.

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 04:16:26 GMT

@icednightpaper wrote:
Credit journey started Nov 2014 with a local, non-student, credit union card. It's still open, SL $500 and through 3 HP and 1 SP increases, now sits at $10,000. I would product change it from 1% everything to the 1.5% everything version, but I like the fixed 11.99 APR because I think it's neat to have one as a credit card even if I don't carry balances.

Clench that fixed rate tightly as they don't exist anymore!

I have a CU one that's 6.9F that I worked down from their middle tier of ~15% over the years as my profile got stronger and scores went up. Opened 2 of them with the same CU for 5K and eventually combined them and topped them out at 16.5K. I went through older cards a couple of years ago and took some HP's to CLI the stragglers and this one apparently changed the rules over the years if you don't have any other active accounts with them to not allow further CLI's beyond 10K so, I'll keep my 16.5K @ 6.9F for when there's a balance that needs to be carried and they don't charge a BT fee and if you want cash it's only 1% draw for the fee with the same APR.

Re: Oldest Cards - Original Card and CL Estimates

issac2x — Thu, 31 Oct 2019 04:28:33 GMT

A plain BOA card in 2008 with a 600SL. Kept as is for years because I never paid any attention to credit cards until later. Now it's a $10,000CL cash rewards.

Re: Oldest Cards - Original Card and CL Estimates

icednightpaper — Thu, 31 Oct 2019 04:30:32 GMT

@Anonymous wrote:
@icednightpaper wrote:
Credit journey started Nov 2014 with a local, non-student, credit union card. It's still open, SL $500 and through 3 HP and 1 SP increases, now sits at $10,000. I would product change it from 1% everything to the 1.5% everything version, but I like the fixed 11.99 APR because I think it's neat to have one as a credit card even if I don't carry balances.

Clench that fixed rate tightly as they don't exist anymore!

I have a CU one that's 6.9F that I worked down from their middle tier of ~15% over the years as my profile got stronger and scores went up. Opened 2 of them with the same CU for 5K and eventually combined them and topped them out at 16.5K. I went through older cards a couple of years ago and took some HP's to CLI the stragglers and this one apparently changed the rules over the years if you don't have any other active accounts with them to not allow further CLI's beyond 10K so, I'll keep my 16.5K @ 6.9F for when there's a balance that needs to be carried and they don't charge a BT fee and if you want cash it's only 1% draw for the fee with the same APR.

Well you make me feel better about choosing not to product change! It's actually cooler now and I'm hoping they don't force me to change sometime. Do you usually take HPs for CLI? Or was it just because it was specifically that CU?

Re: Oldest Cards - Original Card and CL Estimates

Dave4fun — Mon, 04 Nov 2019 19:14:26 GMT

WOW! I love questions like these type of questions! This will take me waayyyy back. Folks, were going way back in time, back to the Land of Disco, before we had Disco (Discover card) LOL. November 1977: JC Penney $200 limit. I was 17. Not even technically legal to get a credit card. I guess they gave it to me because I was an AU on my Dad's Diners Club card. I had a great job (and school) but had wonderful income especailly for a high schooler. The card now, managed by Synchrony, is at $9,000 CL

Next was a VISA card with TransWorld Bank (Bank closed long ago). Limit was $500.

Thanks for the memories!

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 31 Oct 2019 19:32:44 GMT

@icednightpaper wrote:
@Anonymous wrote:
@icednightpaper wrote:
Credit journey started Nov 2014 with a local, non-student, credit union card. It's still open, SL $500 and through 3 HP and 1 SP increases, now sits at $10,000. I would product change it from 1% everything to the 1.5% everything version, but I like the fixed 11.99 APR because I think it's neat to have one as a credit card even if I don't carry balances.

Clench that fixed rate tightly as they don't exist anymore!

I have a CU one that's 6.9F that I worked down from their middle tier of ~15% over the years as my profile got stronger and scores went up. Opened 2 of them with the same CU for 5K and eventually combined them and topped them out at 16.5K. I went through older cards a couple of years ago and took some HP's to CLI the stragglers and this one apparently changed the rules over the years if you don't have any other active accounts with them to not allow further CLI's beyond 10K so, I'll keep my 16.5K @ 6.9F for when there's a balance that needs to be carried and they don't charge a BT fee and if you want cash it's only 1% draw for the fee with the same APR.
Well you make me feel better about choosing not to product change! It's actually cooler now and I'm hoping they don't force me to change sometime. Do you usually take HPs for CLI? Or was it just because it was specifically that CU?

Most CU's do HP's primarily for CLIs but, I've found over the years the 1st and 2nd anniversary with them tend to offer CLIs @ 10% of your CL and then from there it's hit or miss. I've had a couple of other CUs bump me up w/o asking or a HP. 1 of them was at 15 or 16K and jumped to 19K w/o prompting or use. Another one went from 15K to 25K w/o asking as well. It just depends on the CU as there's not really an across board rule to how they act. About the only thing that stands out is they top off at ~18% APR's as part of their charters or membership with CUNA.

Re: Oldest Cards - Original Card and CL Estimates

pinkandgrey — Thu, 31 Oct 2019 20:20:51 GMT

Oldest is the Disco. It started at 5.5k and I think 19.?? APR

Re: Oldest Cards - Original Card and CL Estimates

cranston3 — Thu, 31 Oct 2019 20:38:30 GMT

US card 2009 Amex $5,000, thanks to their global transfer system.

UK, 1981 HSBC $1,500.

Re: Oldest Cards - Original Card and CL Estimates

galahad15 — Thu, 31 Oct 2019 20:48:53 GMT

Of my current, existing collection of cards: BoA Cash Rewards WMC that was originally issued by BoA in 2007 as a university alumni affinity Platinum Plus card, SL was ~$9.5k iirc. Initial APR that was offered at the time my app was accepted was 9.99% F, which it still is to this day

Re: Oldest Cards - Original Card and CL Estimates

galahad15 — Thu, 31 Oct 2019 20:54:20 GMT

@Anonymous wrote:
@icednightpaper wrote:
Credit journey started Nov 2014 with a local, non-student, credit union card. It's still open, SL $500 and through 3 HP and 1 SP increases, now sits at $10,000. I would product change it from 1% everything to the 1.5% everything version, but I like the fixed 11.99 APR because I think it's neat to have one as a credit card even if I don't carry balances.

Clench that fixed rate tightly as they don't exist anymore!

I have a CU one that's 6.9F that I worked down from their middle tier of ~15% over the years as my profile got stronger and scores went up. Opened 2 of them with the same CU for 5K and eventually combined them and topped them out at 16.5K. I went through older cards a couple of years ago and took some HP's to CLI the stragglers and this one apparently changed the rules over the years if you don't have any other active accounts with them to not allow further CLI's beyond 10K so, I'll keep my 16.5K @ 6.9F for when there's a balance that needs to be carried and they don't charge a BT fee and if you want cash it's only 1% draw for the fee with the same APR.

No worries...there are still a few super-low, fixed-rate APR cards out there, that are issued by CUs!

A few examples that are still able to be apped for, with no geo restrictions:

(1) Unify FCU Fixed-Rate VISA: currently as low as 9.49% F.

(2) PACU Premier Privileges Rewards MC: currently as low as 8.45% F.

Re: Oldest Cards - Original Card and CL Estimates

ScoreSizzle — Wed, 13 Nov 2019 11:55:02 GMT

2010 $320 PLATINUM w/ Cap1.

I had a card when I was 19-21 which I burned for $650. I forget who the bank was. Young and dumb.

Re: Oldest Cards - Original Card and CL Estimates

Anonymous — Thu, 28 Nov 2019 06:47:43 GMT

I had to ask my DM as I am pretty young.

She opened a JCP card in 1989 SL $125 that increased to $2000 by 2012 when she closed it.