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What were your first 3 cards?

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Anonymous
Not applicable
‎05-24-2015 08:01 PM
‎05-24-2015 08:01 PM

What were your first 3 cards?

I've been reading and it seems that in order to maximize the FICO scoring potential, you need to have atleast 3 cards. Since I only have 2 right now, I wanna know where people stood when they were in my spot. So lets hear it; what were your first 3, and how long apart were their apps?

Message 1 of 65
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Anonymous
Not applicable
‎05-24-2015 08:05 PM
‎05-24-2015 08:05 PM

Re: What were your first 3 cards?

@Anonymous wrote:

I've been reading and it seems that in order to maximize the FICO scoring potential, you need to have atleast 3 cards. Since I only have 2 right now, I wanna know where people stood when they were in my spot. So lets hear it; what were your first 3, and how long apart were their apps?

Well, my first 3 cards were in the 1970s, so they really wouldn't apply today: Sears, Boscov's and a VISA. Smiley Happy

 

My cards I mostly had in my adult life are Cap One VISA, AMEX and Home Depot.

Message 2 of 65
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Anonymous
Not applicable
‎05-24-2015 08:07 PM
‎05-24-2015 08:07 PM

Re: What were your first 3 cards?

Old Navy Store card, America Online Visa, and CapitalOne somthing-or-other.

Message 3 of 65
icyhot
Valued Contributor
‎05-24-2015 08:09 PM
‎05-24-2015 08:09 PM

Re: What were your first 3 cards?

Citi Forward in Oct 2011, New York and Company store in August 2013, and Kohl's store in April 2014.
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 4 of 65
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ksantangelo23
Frequent Contributor
‎05-24-2015 08:18 PM
‎05-24-2015 08:18 PM

Re: What were your first 3 cards?

AMEX BCP in September 2013, followed by CapOne QS1 then Discover IT
AMEX Hilton Ascend: $55,000 | Chase Sapphire Reserve: $30,000 | PNC Points: $17,500 | AMEX BCE (AU): $18,000 | AMEX BCP: $15,000 | US Bank Cash+ $15,000 | AMEX Business Prime: $14,000 | AMEX SimplyCash: $12,000 | Capital One QS: $13,500 | Chase Business Ink: $12,000 | PNC Everyday (AU): $12,000 | JCPenny Store Card: $10,500 | Chase Slate: $9,400 | Capital One QS: $6,500 | (2nd) US Bank Cash+ (2nd): $7,500 | Discover IT: $6,000 | Chase Freedom: $3,500 | Auto Lease: $0/$21,000 | Auto Loan: $0/$18,000 |

TU: 818 EX: 809 EQ: 801

Message 5 of 65
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Hansenmol
Valued Member
‎05-24-2015 08:40 PM
‎05-24-2015 08:40 PM

Re: What were your first 3 cards?

Wells Fargo College card, Valero gas card. Then I applied for the Discover it card and citi forward card on the same day. 

Gardening
Wells Fargo 08/2010 $5.3k || Valero Gas 07/2012 $750 || CareCredit 11/2012 $5k ||
Citi Forward Legacy 01/2013 $6.4k || Discover It 01/2013 $8.3k || AMEX BCE 04/2013 $20k || Chase Freedom 08/2013 $4k || Sallie Mae Commence WMC 07/2014 $9.5k || Citi Double Cash WEMC 10/2014 $8.3k || Chase IHG WMC $11.2k 02/2017 ||
755 EX, 802 TU, 799 EQ || 24 Years Old || AAoA 3.4 Yrs || 03/10/2017 || Gardening since 02/2017 ||
Message 6 of 65
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eddie84
Valued Contributor
‎05-24-2015 08:42 PM
‎05-24-2015 08:42 PM

Re: What were your first 3 cards?

I believe it was a Providian Visa card (1999).  Then I got an Amex Green and Amex Blue card (2001 and 2003 respectively ).  Those were my first 3 cards.

Message 7 of 65
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Anonymous
Not applicable
‎05-24-2015 08:54 PM
‎05-24-2015 08:54 PM

Re: What were your first 3 cards?

My first card was in 2013 and it was my Wells Fargo College cash rewards. They get a lot of flack here and I can see why, but for those that bank with them it seems like a great place to start and I'm more than happy with them.

 

After that I got a BofA Secured, but secured so that really doesn't count. Also I literally never used it and closed it about 6 months later though, wasn't all that happy with BofA.

 

Next cards where Capital One Journey and Discover It, happy with both. Discover gave me my highest limit at that time, which was awesome.

 

If you don't have anything from Capital One I'd definitely go for one of their cards, then maybe something from your bank or credit union, if you haven't already of course.

Message 8 of 65
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Anonymous
Not applicable
‎05-24-2015 08:55 PM
‎05-24-2015 08:55 PM

Re: What were your first 3 cards?

Secured Visa from local credit union, Capital One Journey, and Discover It.

Message 9 of 65
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Anonymous
Not applicable
‎05-24-2015 09:01 PM
‎05-24-2015 09:01 PM

Re: What were your first 3 cards?

Amex, Cap One, BofA and then the bad cards came.  First Premier & First Savings & Merrick!  Yes, they're closed now. Smiley Wink

Message 10 of 65
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