First card, and best card can be read about here.....https://ficoforums.myfico.com/t5/SmorgasBoard/Very-funny-true-story-saved-by-credit-card/m-p/4748885...
I'll join in on the fun:
First card: U.S. Bank Cash+ Visa Siggy. Got lucky with this one due to a long standing relationship with USB, plus 2 years of on time student loan payments at time of application. Started at 5k and have received 1 auto CL to 7.5k.
Worst card: Barclays Apple Rewards. Applied for the financing option, but then ended up not going through with the purchase. Aside from a few ITunes movie rentals a month, no use for it at all.
Best card: Would have to say it's the USB Cash+, but for the sake of listing a different card for each category, I'll also mention that I've enjoyed the PayPal 2% MC. I use PayPal and ebay a fair amount, so it comes in handy.
Worst: Chase as it lacks growth
Ha! I'll give it a go, this should be good:
1. My very first card was a wimpy OpenSky secured card from Capital Bank with a $200 limit. Opened it back in 2015. I was really eager to get into the cashback card world, but had zero credit, so this card was a really good starter. Had it for about 9 months before they refunded my deposit and upped the limit to $300 (WOW!! lol). Cancelled before the $40 annual fee hit, although the company was very good to me.
2. My best current card (IMO) is the Uber Visa from Barclay. This card has a pretty solid benefit list and suits my spending habits pretty well. The 4% cashback on restaurants and UberEats (I use UE ALOT) adds up fast, and the 3% travel + 2% online shopping isn't bad at all. The $50 digital subscription credit for $5000 annual spending is also low-hanging fruit. Only complaint is the lack of intro APR, but I pay in full anyway.
3. My worst card is from the bank I've been loyal to since my high school days: TCF. Oh boy, don't get me started. TCF has been very good to me, but this card (initially a secured card for $300, and actually my second card, also in 2015) is so bad. It graduated to an unsecured line with the SAME limit shortly after. No rewards, no benefits, just a plain jane high APR card. Fast forward been almost three years, all my cards have $3k-$6k limits (except for the US Bank Cash+ I just applied for *rolls eyes*), and this one is STILL holding out. It's issued by FirstBankcard, so I'll cut TCF some slack.
4. My wish card, HMMMMM, that's a tough one. I'd have to say Freedom Unlimited. Just to combine with my regular Freedom's Ultimate Rewards!
Worst card -
The one that sells my purchase history or personal information data to the most "affiliates"
First card: Gordon's Jewelry back in 1988 and I was NOT 18 yet, about 3 months shy of it, so I don't know how they even approved that. But it was my first and I loved being all adult with credit, knew NOTHING about managing credit at all and royally screwed things up about 2 years and 8-10 cards later. But my first purchase on that Gordon's card I was so proud of getting was a pair of 1/8th ct diamond stud earrings. They cost $99.00 and I still have them, 30 years later.
Best card: Discover It that I just got a few months ago, after 8 years of nothing reporting but student loans and an autoloan, due to credit screw up #3 (hopefully the 3rd time is the charm, I'm getting too old for this rebuilding thing every decade or so--doing well so far, AZEO, utilization below 9% and PIF as soon as the statement cuts each month).
Worst card: I'm not sure, but I think it was a Credit One that had an annual fee charged in monthly installments, a fee for this, a fee for that, if you opened the envelope from the front instead of the back, I think there was a fee for that too.
Wish card: I would like a simple Chase Freedom Visa. Just because I now have a Capital One Quicksilver, Discover It, Amex BCE, but no Visa (other than my work BOA Visa which really isn't MINE) ...once I get that one (they just denied me a couple of days ago) I'm done. I'm a small time player with a small time salary and a simple life. 4 cards are enough for me, then it is retirment to the garden forever!
This gave me my laugh for the day! Had coworkers thinking that I lost my mind!!
U.S. Bank College Visa
Chase Sapphire Reserve - This card has obsoleted many of my other cards because of the Ultimate Rewards "50% more value" benefit.
Providian Platinum Visa - High interest rate and the CL never increased past $500.
I don't have any cards on my wishlist. I've thought about the American Express Platinum card, but I don't travel enough to make it worthwhile. The CSR is all I need for now.