cancel
Showing results for 
Search instead for 
Did you mean: 

Oldest Card?

tag
Anonymous
Not applicable

Oldest Card?

How old is the oldest card in your wallet?  In other words, how old is the oldest card that you use frequently?  It doesn't have to be your daily card, but not a card that you sock drawer for 6 months at a time either.

 

Comparatively, I'm very new to the credit world but it seems like there's always some new and improved card that makes an older version less desirable (AMEX BCE/BCP compared to Blue, for example).

 

I know that one of the important factors to credit scoring is your AAoA, so I'm wondering what is a reasonable amount of time to go without a new app.

 

For me the oldest card I use frequently is from July 2011, Chase Freedom.

 

Edit:  It occured to me I should suggest a format Smiley Happy

 

1.  Name of CCC + specific card

2.  Age of account

3.  Why you use it

4.  How long since your last app, how long until your next app, and what you think is a reasonable time frame between apps

Message 1 of 23
22 REPLIES 22
MrShush
Valued Contributor

Re: Oldest Card?

Oldest card(s) are American Express: Platinum Blue, and Delta Gold 06/96, 02/96 ,and 07/96 respectively.
Message 2 of 23
Anonymous
Not applicable

Re: Oldest Card?


@MrShush wrote:
Oldest card(s) are American Express: Platinum Blue, and Delta Gold 06/96, 02/96 ,and 07/96 respectively.


Two cards, three dates?

 

What kind of rewards do you get from them?

Message 3 of 23
frogfan12
Established Contributor

Re: Oldest Card?


@MrShush wrote:
Oldest card(s) are American Express: Platinum Blue, and Delta Gold 06/96, 02/96 ,and 07/96 respectively.

Wow, I was in elementary school in 96. The only credit I wanted was extra credit at school. 


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Message 4 of 23
MrShush
Valued Contributor

Re: Oldest Card?

Blue comes out every so often for MR points, Delta for miles for August honeymoon, and the Platinum was JUST upgraded from Green to take advantage of the benefits and bonus 25k MR points.
Message 5 of 23
Anonymous
Not applicable

Re: Oldest Card?

Discover - Discover More card.

2 Years next month Smiley LOL

I use it for the rotating rewards.

I applied for a BofA Cash Rewards Platinum Visa on 1/13/2012.

I am actually planning on getting the AMEX BCP/BCE and then waiting till I enter graduate school before applying for a charge card from Amex. I should have a pretty good track record by that time and a much more lucrative career Smiley LOL

Message 6 of 23
Anonymous
Not applicable

Re: Oldest Card?


@Anonymous wrote:

Discover - Discover More card.

2 Years next month Smiley LOL

I use it for the rotating rewards.

I applied for a BofA Cash Rewards Platinum Visa on 1/13/2012.

I am actually planning on getting the AMEX BCP/BCE and then waiting till I graduate finish school before applying for another card. I should have a pretty good track record by that time and a much more lucrative career Smiley LOL


 

Cool.  I'm going to track my grocery/gas spending habits and try not to app for anything until 2013.  If I spend enough to justify BCP over BCE, I'll try to PC in February 2013 Smiley Happy

Message 7 of 23
anderl
Frequent Contributor

Re: Oldest Card?

Closed an Amex acc.(Delta AMEX Gold) in good standing back in 1995(really don't know why,lol) . After paying off debt a little over 2yrs. ago,applied again, was approved and backdated to 3/95. Few mnths after that was preapproved for all charge cards and a revolver,Starwood Preferred.. Had trouble(so I thought) w/my apps going through for the charge card, so I app'd for the GREEN,ZYNC,GOLD and of course the Starwood. Next day while checking my e-mails @work was happy to see that I was approved for the Starwood PreferredSmiley Happy. / the next day, I almost fell out of my chair, when I checked my e-mails an saw 3 messages from AMEX......Congratulating me for being approved for all three. Ended up closing the Zync;Delta Gold upgraded to Reserve,Gold Charge upgraded to Platinum(and yes I travel a lot,17 trips to Europe last year alone so the Platinum and Reserve really work for me),and have just held on to the clasic Green Charge. All backdated to 3/95. I use Amex  Cards for ALL travel related expenses,my Pres. Plus MC for overseas purchases(more widely accepted and no foreign transaction fees) and for Concierge service(I find that my PresPlus World Elite MC has better Concierge services than Amex,esp. in Europe).

Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(7.5K CL); Lowes(2.5K CL);Barclays Mile & More Lufthansa 12.5K.
Message 8 of 23
Guava
Established Contributor

Re: Oldest Card?

Mine is Citi Dividend student Visa, opened 09/2008. Too bad I'm gonna sock drawer it soon in favor of the Freedom, it'll be missed.


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 9 of 23
bichonmom
Senior Contributor

Re: Oldest Card?

My oldest card is about to have its first birthday in March. Smiley Happy Heart GEMB

 

My second oldest card isn't going to have a very happy birthday. My Cap One is getting canceled before the AF hits.

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 10 of 23
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.