No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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?
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.
Mines was a BoA Platnium Plus card with a $3k limit. It's at $13k now. ![]()
Amex Gold was my turning point...
@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...
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.
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.
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).
Apple Barclays Financing Card.
Then American Express Green very soon after that card posted on my credit report.