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What was your first card?

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leoment
Frequent Contributor

Re: What was your first card?

Target REDcard, in 2008 right after I turned 18 Smiley Happy  My limit was initially $500, but was bumped shortly (3-4 months) to $1000, where it's been since.  I used to complain about that limit, until I got on here and realized Target has left people with much less to work with (seriously, $200 is a joke).

 

I didn't know it at the time, but my mom had me as an AU on one of her Amex charge cards, which (unknowingly) helped me build some history before actually getting cards.  That's the only reason why I can think a few months after getting the Target card Citi approved me with the (then MTVu card) for a $4k limit at 18.

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 61 of 72
Anonymous
Not applicable

Re: What was your first card?

My first card was a Belk card at 18. Which then quickly led to Dillards, Express & JCPenney. Which then led to my parents bailing me out because I was in over my head. After that, I maxed them out again and they were all closed and charged off. Cat Sad  Then a few years later, I got a capital one card and messed it up too! That all ended in 97 and I have not had any type of credit from then until 2012. So when I started with my boa 99/500 last August, my credit was basically brand new. (With the exception of a car and home paid perfectly and in full years ago). Now you can see my cards in my sig and I have grown up a whole lot since then. Like others have said, I wish there would have been a place like this site back then so I could have had more knowledge about credit. But I am glad to be where I am and make sure to tell my kids about all the trouble it caused me so they will hopefully not go down the same road I did. Cat Very Happy

Message 62 of 72
Anonymous
Not applicable

Re: What was your first card?

Well - after holding my first bank account from the age of 5 back home in Australia, was offered a Commonwealth Bank Awards mastercard - which had a nice feature that allowed fees to be waived as long as you were at university (every card in Australia has annual fees - this worked for me until they changed it about 2 years ago). Started off at $1000 - still have it (having toned down the credit limit from 5k to 4k as I don't really use it).

And now I have a toy from Chase. Just wish I had got an AMEX before I left.

Message 63 of 72
Leadberry
Established Contributor

Re: What was your first card?

It was the Chase Freedom for me, back in February of 2007 (a few months after I turned 18).  $500 CL, don't remember what the APR was.  I messed that one up in no time.  Smiley Tongue

   
FICO Scores 800+
Message 64 of 72
thom02099
Valued Contributor

Re: What was your first card?

Back in the time of the Cosmos developing ! !

 

Got my first card in the early 70s right out of college.  It was a Carte Blanche card.  Had a pretty good job then, but no credit history, I have no idea how I qualified other than income.  Followed by Sears and Montgomery Ward store cards.  Got my first AMEX (a Green) in the mid-70s.

Message 65 of 72
sccredit
Valued Contributor

Re: What was your first card?

Mine was the Associates National Bank Phillips 66 Student card.  Eventually Associates sold to Citi and I got behind and they closed it.  Paid it off a couple of weeks later but definitely learned the hard way.

Message 66 of 72
fot1
Established Contributor

Re: What was your first card?

My first card was a Mervyns card.. Only applied cash the cashier was hott..lol

Too many to list..
Message 67 of 72
Anonymous
Not applicable

Re: What was your first card?

BOA secured credit card $1000. 2.5 years ago.

Message 68 of 72
cashnocredit
Valued Contributor

Re: What was your first card?

BankAmericard.  (pre Visa) from BofA, circa 1972


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 69 of 72
Anonymous
Not applicable

Re: What was your first card?


@09Lexie wrote:
Back when the dinosaurs roamed the Earth- BoA Student Visa with an $800 cl.

 

Back when organic polymers were bouncing into each other in the primordial soup -- a Lerner's store card.

Message 70 of 72
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