No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
WF platinum rewards, basic 1%. I had checking/savings with them back in the day. After it lived in the sockdrawer for the last 7+ years, I just PCed it to the Autograph and got a cli up to $4.6k. Kinda nice to have my oldest credit line be useable again.
Central Carolina Bank (CCB) Student VISA. I think I got a North Carolina National Bank (NCNB) VISA at the same time.
A Montgomery Wards card, around 1996. I think the limit was $500.
The $100 Macy's card that I detailed here last night. They weren't even classy or thoughtful enough to give me a limit large enough to match the purchase price of the clothing for my mom's funeral. I paid with a few hundred dollar bills.
I really shoud have walked out of the store and shopped elsewhere. But I was already into my 40s and had no idea how credit worked. For all I knew it could have been a huge black mark on my name if I declined.
However, it had the same impact. I lost all interest in Macy's and have never set foot inside one subsequently. Earlier today I remembered that I did make one small purchase with the card months later, after prompting from my dad. I think I bought a pair of casual pants that were on sale, using an online coupon. That was it and they closed my account a few years later.
No warning. Darn shame. I would have laughed.
1967. BankAmericard (now Visa). Think it was a $300 limit but not sure. Arrived unbidden in the mail one day. I remember they had early problems with people stealing the cards out of mailboxes and having fun. Eventually, cashiers had to look through printed booklets for card numbers that were on the bad list.
@W261w261 wrote:1967. BankAmericard (now Visa). Think it was a $300 limit but not sure. Arrived unbidden in the mail one day. I remember they had early problems with people stealing the cards out of mailboxes and having fun. Eventually, cashiers had to look through printed booklets for card numbers that were on the bad list.
Wow, 1967. You win this game.
1987. Old credit union Visa. Weirdest thing, it said "CAP COM FCU" on the front. (Capitol Communications Federal Credit Union) I worked for the phone company for a minute straight outta college. Amex green like 3 weeks later. I was such a bonehead.
@purebulldogs wrote:Mine was a $300 capital one card. I was around 20. Was in school and worked part time. It got up to $800 credit limit. I maxed it and when the $29 or $39 annual fee hit it put me over the credit limit. I probably got an over the limit fee back then since I do remember owing more than the credit limit a few times.
bought a lot of pizza and beer on the weekends with that card. It made college life more fun. Once I paid it down, we'd get more food. We would rotate our cards 😀. I was probably pretty profitable to capital one with the interest and fees I paid.
I eventually paid it off. Capital one never cut my credit line even though I paid late every few months. It worked well for me and capital one. When you are hungry with friends and tired of doing homework and ready to watch movies etc, that available credit was like gold when those pizzas 🍕 were delivered 😎 even if it was as low as $50
I knocked the stuffing out of that card for being a poor college student with a pretty low limit
I believe mine was either the American Express Blue student credit card or Mastercard. Had both back in 97 as a freshman in university. Both have long since been closed. Wish I knew back then to do everything in my power to keep those cards open😆
But alas, some bad financial decisions got those cards closed.
A Texaco Gas Card $300 CL (1972) followed by a BankAmericard $300 CL (1973) and a Northwestern National Bank Southwest Master Charge $1,000 CL (1973)
Mine was a $1000 secured Unlimited Cash Rewards Visa from BofA in 2020.