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What was your 1st credit card?

Established Member

What was your 1st credit card?

Hey just curious to know. What was your very first credit card, what year was it opened , what was your CL then and what is It to date? 


Mine was a Bank Of America student card in 2000 when i turned 18. They gave me $1500, I had no clue about credit and did horrible things with it  so I decided to close it. Smiley Sad Im much wiser now! Smiley Very Happy


Raymour & Flanagan $10,000 | Barclays Apple $8000 | Macy's $7600 | Walmart $7500 | Best Buy 6800 | Sears Citi MC $6000 | Care Credit $5400 | Amex BCE $5000 | Capital One $5000 | Cap One Venture $5000 | Cap One Quick Silver $5000 I Citi Thank You Preferred $4700 | Discover IT $4000 | Citi Simplicity $3900 | Merrick Bank $3300 | Dell $2000
Message 1 of 110
Regular Contributor

Re: What was your 1st credit card?

My 1st credit card was US Bank starting CL was $500, I was 18 at the time.  After like 4 months they gave me a CL of $1000; once I noticed that I figured that was a horrible thing for me to relize when I was looking at my bill.  Sadly I made a huge mistake with the acconut it went in to collections, which I have recently paid off.


Gotta live and learn I guess...sadly I wish I didn't learn that way.

CITI - $3500 - CAP1 - $750 - RZMC - $600 - BOA - $600 - CAP2 -$500 - Credit Union $500

TU: 707 (From Wal-Mart's website) * Finally made the 700 club!!!!!!!*
Message 2 of 110
Regular Contributor

Re: What was your 1st credit card?

My first card was citi dividend with 2500 Limit  and I have grown with citi.

Message 3 of 110
Valued Contributor

Re: What was your 1st credit card?

Mine was a Cap One card with a limit of $200 IIRC, this was in 2000. It was a mainly black card with lightning strikes in the background. I remembered getting a letter in the mail from them, a pre-approval I guess I should say and you mailed it back with the lil sticker placed in lil box on the card design you wanted.


That was my very first card, didnt have much income working part time at the local grocery store and just out of high school. I wish I can go back in time with what I know now about credit.

Message 4 of 110
Valued Member

Re: What was your 1st credit card?

ATT Universal MC, CL 2000...opened in 1995. I cannot recall when and why I closed it. It still reports and definitely helps my credit file age finely!

Message 5 of 110

Re: What was your 1st credit card?

If you want to get technical about it, a bank account I opened my freshman year of college automatically came with a credit card for overdraft protection. I never used it to buy anything, but I wound up unemployed and used it for cash advances to pay my rent. That sucker's been paid off and closed since 2004, I think.


As far as credit cards that I've actually applied to get, the first one would be my Capital One Platinum Mastercard, opened this past February with a $500 CL, now a $750 CL (yay, Credit Steps!)

Starting Score: 609 (8/23/11)
Current Score: TU: 805 (5/27/16)
Goal Score: 820
Message 6 of 110
Frequent Contributor

Re: What was your 1st credit card?

Bank of America Student Visa, 2001, $2000 CLI to $5000.

AmEx Blue For Students, 2002, $2500


Closed em both in 2004 when I signed up with Money Management to get out of debt.

Just opened Amex BCP which got backdated to 2002.

Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800

Take the FICO Fitness Challenge
Message 7 of 110
Established Contributor

Re: What was your 1st credit card?

Cap1 Platinum MC with a $300 CL, opened only a few months ago. Should be getting a CLI via the "Credit Steps" program pretty soon.

Message 8 of 110
Established Contributor

Re: What was your 1st credit card?

On my 18th birthday (when I didn't know too much about credit or inquiries), I applied for:


  • Wells Fargo College Visa - Approved instantly $1000 CL (had to send copy of college enrollment) Now has CL of $2600
  • BoA Student Platinum Plus Visa - Approved instantly $500 CL, now has CL of $1500
  • Capital One Classic Platinum Visa (with $39 AF) - Approved $750, now closed CL was $1250
  • Amex Blue Student - DENIED
  • Discover More Student - DENIED
  • Citi Student card (Don't remember which one, they don't offer it anymore) - DENIED

I don't use these cards anymore. I mostly use my newer, higher CL cards. Smiley Happy

Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
Message 9 of 110
Established Member

Re: What was your 1st credit card?

Wow, from many years ago...Chase visa..$500 limit in 1990.  Was a college Freshman, who never learned about credit and how to use or take care of it.  After a few years, learned a hard lesson about how to use it wisely.


Most recently an Orchard Bank MC $ 500 limit in March 2011.  Have learned alot more about how/when to use credit wisely.

Starting scores: 550-575 all 3
Current Scores:644 EQ (myfico 2-27-13), 659 TU (myfico 2-29-13) 659 TU (walmart fico 2-4-13, 690 EX Fako (credit sesame 2-6-13)

Discover More $1300, WalMart Discover $3000, Orchard Bank $500, Amazon Store Card $2300, Lowes $5000, JCPenny $700, Old Navy $1200, Buckle $300
Message 10 of 110