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@Credit4Growth wrote:
@tacpoly wrote:My first cards (not as an AU) were the Amex green and BofA visa. I got both when I turned 18. BofA gave me a $56k starting limit.
I got nothing'!
I am sure, at some point in time, there is a wonderful story that could be shared about one's 1st card (a revolver) having a SL of $56K from BoA - 😉 wink, wink.
@Credit4Growth Nothing exciting: I was an AU on my parents' Amex card so I benefited from their sterling credit history. I was actually disappointed with the $56k SL because my brother's was much higher.
Mine was the Amex green charge card back in 1988 as a college junior. But shortly there after I got the Amex Optima with a SL of $2K in 89.
@tacpoly wrote:
@Credit4Growth wrote:
@tacpoly wrote:My first cards (not as an AU) were the Amex green and BofA visa. I got both when I turned 18. BofA gave me a $56k starting limit.
I got nothing'!
I am sure, at some point in time, there is a wonderful story that could be shared about one's 1st card (a revolver) having a SL of $56K from BoA - 😉 wink, wink.
@Credit4Growth Nothing exciting: I was an AU on my parents' Amex card so I benefited from their sterling credit history. I was actually disappointed with the $56k SL because my brother's was much higher.
Disappointed with $56k SL on your very first card? Heck, I don't think I'll EVER see a limit that high in my life! Let alone a starting limit...
@Jeffster1 wrote:Central Carolina Bank (CCB) Student VISA. I think I got a North Carolina National Bank (NCNB) VISA at the same time.
Two North Carolina banking legends.
@OmarGB9 wrote:
@tacpoly wrote:
@Credit4Growth wrote:
@tacpoly wrote:My first cards (not as an AU) were the Amex green and BofA visa. I got both when I turned 18. BofA gave me a $56k starting limit.
I got nothing'!
I am sure, at some point in time, there is a wonderful story that could be shared about one's 1st card (a revolver) having a SL of $56K from BoA - 😉 wink, wink.
@Credit4Growth Nothing exciting: I was an AU on my parents' Amex card so I benefited from their sterling credit history. I was actually disappointed with the $56k SL because my brother's was much higher.
Disappointed with $56k SL on your very first card? Heck, I don't think I'll EVER see a limit that high in my life! Let alone a starting limit...
@OmarGB9 It's all relative, isn't it? The only other limit I knew about was my brother's which was $64k or 69k, so mine seemed low in comparison.
Phillips 66 MC for me. I believe it was a $300 limit. I burned that card decades ago.

























1986 when I was in college with Ohio Citizens bank that was acquired by National City then PNC. This was before there were rewards cards and it had an annual fee of I believe $20. I think the credit line was only around $300
Mine was a secured card with Bank of America. I think I had put down either $300 or $500 down. It's at $6,000 now.
@Creditsen wrote:
My very first card was a chase Freedom. I was told I was building credit off of my mother's citicard but I was not building any credit! I never bothered to check my score until I was 28 and realized I had no credit besides my student loans and was hovering at about 630 credit score. I wanted to build credit quickly to make up for all that lost time and these forums told me chase was a great bank to start because of their rules against too many applications. I applied to the freedom and was approved for $500. After 6 months I asked for a credit increase and was bumped to $1500. After a year of consistent on time payments I applied for a Chase Sapphire and was approved for $12,000. Slow journey but my fico score has climbed and so has my credit limit.
You wasted a HP for CLI?! Maybe I should do it too for CFF ![]()
CO secured Platinum Apr. last year. Started 500, 700 now