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What was your first prime card?

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mAndrew1980
Established Contributor

What was your first prime card?

What was your first prime card and how did you get it? Pre-approved mail offer or blind application? By first prime card, I mean after re-building. Every day I come home checking my mail hoping I'll find a pre-approved offer for a prime cc. Deep down inside inside I know I won't get one until 1 or 2 baddies get removed from my CR (I have 3 altogether).

 

But just curious what your first prime cc was after rebuilding? Who was the first to take a chance on you? Did you know your CR has improved enough to get it or were you totally shocked?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 1 of 59
58 REPLIES 58
Anonymous
Not applicable

Re: What was your first prime card?

My first prime card is my Bank of America Cash Rewards card.  I was totally shocked that they approved me for it, but I guess having all my money with them was the difference maker.  My second prime card is my Discover More.

Message 2 of 59
Anonymous
Not applicable

Re: What was your first prime card?

Mines was a BoA Platnium Plus card with a $3k limit. It's at $13k now. Smiley Happy

Message 3 of 59
Iincognito
Regular Contributor

Re: What was your first prime card?

Amex Gold was my turning point...

Message 4 of 59
Anonymous
Not applicable

Re: What was your first prime card?


@mAndrew1980 wrote:

What was your first prime card and how did you get it? Pre-approved mail offer or blind application? By first prime card, I mean after re-building. Every day I come home checking my mail hoping I'll find a pre-approved offer for a prime cc. Deep down inside inside I know I won't get one until 1 or 2 baddies get removed from my CR (I have 3 altogether).

 

But just curious what your first prime cc was after rebuilding? Who was the first to take a chance on you? Did you know your CR has improved enough to get it or were you totally shocked?


 

Good topic!

 

For me, Amex Green. I received an invitation to apply this past May. I was shocked by the approval, as I had 2 CAs and 4 COs showing on my reports. They're old, and a couple have fallen off between then and now, but they were indeed on there.

 

I'm planning on trying towards the end of the year for a BoA Platinum Plus MC that supports my alumni association. I'm really hoping that since Amex took a chance on me with scores that are lower than they are currently, then perhaps BoA will decide to take a chance, as well. By then, my scores should have inched up a bit more, as I'll have a bit more aging on my rebuilder accounts and the effects of an inq should drop off. Here's hoping...

Message 5 of 59
Anonymous
Not applicable

Re: What was your first prime card?

Depends on the definition of prime. I had a BofA student Visa and Amex Blue for Students back in 02 before I went through my Dave Ramsey phase. In 09 I applied for the USAA World MC, got approved for the Platinum for $3k, then upgraded it to World MC after 6 months with CLI to $11k. Discover More and AmEx BCP have followed since.

Message 6 of 59
Anonymous
Not applicable

Re: What was your first prime card?

Mine was a Wells Fargo Platinum Visa...started with a 1200 CL. Now I have a slew of cards thanks to Wells Fargo giving me a shot with my first credit card. Oddly enough, it's my oldest card with my lowest limit.

Message 7 of 59
mAndrew1980
Established Contributor

Re: What was your first prime card?

Interesting responses. It seems like all we need is one to take a chance on us and the rest is history. Can't wait to get my first prime cc. Gonna be one of the best days of my life (seriously).

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Message 8 of 59
shane82388
Established Contributor

Re: What was your first prime card?

Apple Barclays Financing Card.

 

Then American Express Green very soon after that card posted on my credit report.

Message 9 of 59
flowfaster
Established Contributor

Re: What was your first prime card?

Chase Amazon Visa with 1k cl. The rest is history.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 10 of 59
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