What was your first card?

[TheSpeculator]

I opened a Chase bank account several years back in the branch and they gave me a Black Student +1 credit card. I didn't even ask for it. :/ It was my start to an incredible learning process and soon was followed by Amex Zync.

I remember the $900 limit was awesome at the time. They even auto CLI a few hundred more only 2 months after opening.

[jsickz32]

Mine was the BofA student plat plus. 1k inital CL. I applied for it the same morning i turned 18

[resilient]

October, 1999...turned 18 and went to college....The Associates Visa...they came to school and gave out applications...also the GTE Visa, and the Citibank Platinum Select MC, all $500.....

[kayvee_]

wells fargo student visa $500 at 20 years old.

Still $500 to this day!

[resilient]

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@kayvee_ wrote:

wells fargo student visa $500 at 20 years old.

Still $500 to this day!

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Are you still 20?

[resilient]

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@TheSpeculator wrote:
I opened a Chase bank account several years back in the branch and they gave me a Black Student +1 credit card. I didn't even ask for it. :/ It was my start to an incredible learning process and soon was followed by Amex Zync.

I remember the $900 limit was awesome at the time. They even auto CLI a few hundred more only 2 months after opening.

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I wish this forum (or even the internet, jk) was out when I got my first cards. I started out good for three years, never missing a payment, but maxing them out....eventually leading to c/o. Had I know what the ramifications were back then, I would have only had two cards, instead of the 6 flashy cards I had in my wallet. I remember pulling out my Blue from AmEx all the time (was one of the first to have it when it was introduced). SHoul've kept it in the wallet....they've blacklisted me

[TheSpeculator]

I remember burning through my Amex. Spending WAY more than I could afford. The calls from Amex asking for payments were embarrassing. Love and learn. I PIF less than a month after the due date.

[Danizzle]

If I remember the name, it was a Providian card when I was 18. I don't remember the exact limit, but it was under $1,000. Within 6-12 mos. I got a Discover Classic ($3,500) when I saw my friend had a Discover Platinum with a $5k CL and I wanted it too, then some MC ($1.5k) but no idea what the bank was.

As a previous poster stated, I wish I knew what I was doing. I started out doing well (PIF, not spending much, etc.) Then I started spending more and paying less; got laid off and didn't know what to do so I just maxed them out and didn't pay. They tried a number of collections but I only ever paid back one since they garnished my wages. That was my fault or telling them I was working when they called me. The other 2 dropped off after 7 years and haven't heard anything since.

To all you young guys who are starting/building up your credit - keep up the good work and use this site to it's full advantage!! I wish I had the knowledge and community when I was younger.

[BearsAndTurtlesRtheBest]

How about this Ill get back to you once I obtian my first CC. 

[Boonie]

Sears sent me a store credit card when I was 19.  I believe the limit decent, about $1k, enough for me to buy a boom box and window AC unit!