When did you get your first credit card preapproval?

[micvite]

---

@Straed wrote:

I'm curious what your stats were and how long your credit history was?

Thank for the help!

---

When I was 16, I was added as an AU to my mom's 15 YO Capital one platinum (was an HSBC platinum before cap one bought it out.) had a 5k or so SL, Immediately got preapprovals in the mail from discover, AMEX delta GOLD card, and a few others. AMEX was very persistent.

[ChargedUp]

1992? (I was 18)... I had 6 months with a car loan and just picked up Citibank's Drivers Edge Visa with a $600 SL. May Co. sent me a pre-approval for their store card literally within a few days of getting the Citi card. May Co SL was $500.

[Total80sKid]

The only time I have ever been pre-approved for anything is now.

Cap1 regular cards and their Walmart cards have me pre-approved right in the middle of a bankruptcy. Go figure. 

Two scores are just under 500 and one is just over.

[Anonymous]

When my Experian hit 670 3/2018 I got a prequalified offer from both AMEX and Disco for the first time and was approved for both cards. I had no revolving credit card balances (I had just finished paying off my QS after buying a TV with it in November), 3 credit cards, an 8 year old chapter 7, a few unpaid charge offs including a repo, and probably some medical collections. 

I did get prequals from Capital One before that but I don't really count them. They were the first to give me a chance after my BK like many on this board. 

[CreditCrusader]

1994...just out of high school.

I had kept a savings account with Key Bank throughout high school...not a ton of money in it...usually a few hundred dollars.

After I turned 18 and began prepping for college, a fully-activated Key Bank Visa lands in my mailbox. I hadn't even applied for it...$1,500 limit.

To this day, I STILL have the number memorized.

[gdale6]

---

@Straed wrote:

I'm curious what your stats were and how long your credit history was?

Thank for the help!

---

In 1992 with BK7 on file from the early 80s, no serious rebuild till 1990, card was the AT&T Universal from Universal Bank which of course was bought out by Citi in 1997. Fico scores were in their infancy and I dont remember ever having one mentioned on denials until the early 2000s.