First Card- Wells Fargo Platinum
Best Card- Chase Sapphire Preferred
Worst Card- Wells Fargo Platinum
Wish Card- Alliant Visa Signature
First Card: Years ago, on my 18th birthday, I applied for both a Providian Visa and a Clout Visa.....this could date me a bit as neither of these have been around for years. Both cards had a decent credit line, about 7k combined. And, like so many other of my "young and dumb" friends, I defaulted on both. First card after I learned to behave was Cap1 secured.
Best Card: Probably either my PenFed Power Cash Rewards or NFCU cash rewards card. Not necessarily for their benefits, but for their credit lines and service.
Worst Card: GM BuyPower card - I got it because I work at a dealership, but the earnings structure is terrible. I keep it.....just because.
Dream Card: I don't really dream about cards these days, but if the opportunity presented itself in the future, I'd gladly take a CSR. But, I'm not really sure if that will ever happen. See the First Card part - Providian got acquired by Washington Mutual, who later got acquired by Chase, so I don't know that Chase would ever approve me for anything. Granted, at this point, that defaulted card has been closed for at least 12 years now.
I wish I could get the Kiss Visa card. Back when it was available, me credit was too bad to get one. The FICO gods are cruel. Best card was my $500 Sams Club card that got me through my credit dark days. It's CL has grown a bit but I don't use it anymore. Just Once a year when the membership fee is due. Worst card was an AE Green card that was closed by them when I nentered DMP even though it wasn't in the program and never late and always PIF. That is why I will never do business with them again. Same goes for Wells Fargo for reporting a late payment that realy wasn't and I didn't know enough at the time that I could challange it.
First Card: Merrick Bank. It had a $500 limit and I was 18 and stupid. It ended up getting charged off and haunting me for years.
Best Card: It's a 3 way tie between Citi Double Cash, US Bank Cash+ 365 Amex, Amex BCP.
Worst Card: DISCOVER IT. They treat me like a second class citizen. I always paid in full, had to beg for $200 CIL.
Wish Card: It was always the Amex BCP, which I now have.
First card was a Capital One Platinum in 2000 with a $300 CL that ended up costing me almost $3,000 after Portfolio Recovery got a hold of it and sued me.
First card as an actual adult is a Chase Freedom, they gave me a card when the only thing on my credit report was a 14 year old auto loan.
Best card is probably the CSP but the DC is close. Primary rental car insurance wins over price tracker.
Worst card was the Credit One I had for one year and three days. Forgot to cancel in time and got hit with the annual fee for a card I literally never used.
Wish card is the CSR, I'm hoping in 2019 to qualify.
First card: Sears Gold Mastercard (closed)
Best card: Either Blispay (for 2% cash back on top of 0% financing for 6 months although I rarely use it) or US Bank Cash+ Visa Signature (being able to set categories each quarter is great)
Worst card: Best Buy store card. I was expecting the Visa/MC. Paid it off and then closed it. (closed)
Wish card: I'll be boring and say CSR. If I don't go in branch to see if I'm preapproved next year, I'll be under 5/24 July 2019 provided I don't app for more than 1 card from now until then.
First: AMEX Optima
Best: PF PCR (2%, no fee, large limit)
[Current] Worst: PPMC 2% (low limit)
[Current] Wish: Blispay
[Future] Wish: Consolidate my wallet to AMEX, Penfed and BofA with complimentary card combinations with each bank (with CLs of 20K+ or NPSL).