I'll play along! I'll start off by saying that I appreciate my mom beating into me financial responsibility after reading how many of yall defaulted on your first cards when young. I'll be 22 this year, and never missed a payment on any of my accounts. I plan to keep it that way forever.
First card: Discover IT, opened 11/2014 SL $300. Slowly growing, not as fast as id like...now im at $1.3k
Best: Has to go to my AMEX BCE I dont really have any reasoning, I just love it.
Worst: I dont know that I have a worst...If I had to choose id say Chase Slate (I just PC'ed to Freedom) only because the card is over 1 year old, and I havent gotten any luv. Reading here makes me feel better that Chase hates most people, and not just me but hopefully itll start to grow soon.
Want: AMEX charge card. Again, no reason I just want it. Im not sold on the platinum though because of the AF. Maybe the gold.
Overall life goal would be the Centurion...but I never in a million years see myself spending enough money to be offered that card...
I love this thread.
First card: Capital One Secured - 99 down and 500 limit. Now graduated and PC'ed to Quicksilver One.
Best Card: I think my favorite card is Discover It. However, I am proud of a lot of my other cards. Amex BCP, Citi DC, BofA CR Amex PRG. All get the most use.
Worst Card: Capital One Quicksilver One - I just can't stand Capital One any longer and this card has terrible rewards. Its garbage and has litereally 0 benefits from Capital One.
Wish Card: I dont need another card, but my next app is probably going to be the US Bank Cash+ Visa.
First card - BOA secured (closed)
Best card - Amex Blue
Worst card - Credit one (closed), Chase freedom ($500 limit never grow)
Wish card - don't have one.
First: BOFA secured (graduated, still have as a Cash Rewards)
Worst: Orchard Bank (if you remember them, bought out by Cap One in the post crisis consolidation)
Wish: I honestly have no idea these days .
First: New Era Bank Visa (secured), a loooong time ago.
Worst: Capital One
Wish? CCU Visa Sig Cash Rewards (one of these days)
First: Don't remember, but it would have been back in the 90s.
Best: Chase Sapphire Reserve. I routinely get 6-9cpm value on airline transfers and a bulk of my monthly spend is on dining/travel categories. I'm not going to beat 18-27% return with any other card out there.
Worst: Capital One. It's beyond me why anyone likes their cards.
Wish: Nothing. I have started using Delta as my backup airline though, so maybe in the next year or two I'll grab something with a Skyclub membership.
First card: Wells Fargo Platnium
Best: I say a mix between Cap1 Quicksilver, BOA Cash Rewards (I use the deals a lot), Amex BCE, and Marvel
Worse: Probably Chase Freedom (because of of the low limit) and the local bank card that I got as a favor for a relative who worke there which is backed by FNBO.
Wishlist: CSP, Alaska VS, Amex Plat, Venture
First - Montgomery Wards, department store 1997. I don't think they exist anymore.
Best - Discover It or Blispay, for different reasons
Worse - Synchrony Discount Tire Card, can't get a CLI (**bleep** FINGERHUT gave me a CLI for crying out loud!)
Wish list - Chase Freedom, for the rotating categories
Riding my Unicorn - CSP, as I don't travel enough to warrant the CSR
First: Discover It student cc
Bese: Barclay Uber, awesome rewards for a card w/ 0 annual fee
Worst: CSP, 2% on travel and dinning w/ $100ish annual fee, which is less than what Uber offered(4% dinning, 3%travelling)
Wish: AMEX Platinum, lounge access and travel credits look great!
FIRST - Capital One Journey ----> Capital One Quicksilver.
BEST - Amex BCE. Amex offers, great customer service, and back-to-back 3x CLIs.
WORST - Capital One Quicksilver. CapOne just is awful about CLIs. Otherwise, the 1.5% cb on everything comes in handy.
WISH - Chase Sapphire Preferred. Hopefully will apply in 2018 sometime. 50k sign-up bonus, primary rental insurance, UR rewards & Chase transfer partners. Ultimately will lead to a CSR.