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First Card, Best Card, Worst Card, Wish Card

New Contributor

Re: First Card, Best Card, Worst Card, Wish Card

This is fun!! 

 

First Card - in 2005, I was 18 and got a Capital One Platinum with a $500 limit and never paid a dime back. Young and stupid. 

First Card as a true adult in the beginning of 2016 I got a secured Capital One card $99 for $200 SL

 

Best Card - Chase Freedom for the 5% revolving categories.

 

Worst Card - Merrick, no rewards just plain card that I never even use, probably the Final Visa because they are closing and its my highest limit card! Smiley Sad

 

Wish cards - CSR, Chase Amazon, PenFed 

CapOne QS1 $1.2k | Chase Freedom $3.5k | Discover $2.9k | Amex Everyday $3k | Amex PRG | Amazon Store $6k | Barclays Apple Rewards $2.9k | Regions Life $2.5k | Lexus Pursuits $3.3k | PayPal MC $8k | CSP $5k | WF CashWise $2k
Message 41 of 134
Regular Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First Card - 2008 - $600 Secured Card with Washington Mutual. When Chase purchased WaMu, they closed my card right away. I had it for like 10mths. First unsecured card was my Discover Student More card in 2009.

 

Best Card - I've been using the Paypal 2% Cashback card a lot recently.

 

Worst Card - Either between the Forward or the Zync since they're not useful anymore.

 

Wish Card - US Bank Cash+ for being able to choose your catergories.


EX FICO 8 - 826 (10/18) | TU FICO 8 - 823 (9/18) | EQ FICO 9 - 843 (9/18)
Message 42 of 134
Mega Contributor

Re: First Card, Best Card, Worst Card, Wish Card


kamina wrote:

First Card - 2008 - $600 Secured Card with Washington Mutual. When Chase purchased WaMu, they closed my card right away. I had it for like 10mths. First unsecured card was my Discover Student More card in 2009.

 

Best Card - I've been using the Paypal 2% Cashback card a lot recently.

 

Worst Card - Either between the Forward or the Zync since they're not useful anymore.

 

Wish Card - US Bank Cash+ for being able to choose your catergories.


That reminded me, I should have included Forward in my list of Best Cards at the Time.    Tne Forward, giving uncapped 5x on dining, bookstores (Amazon) etc was the most painful non-MS-related nerf.  Sallie Mae being a distant but still annoying second!

Message 43 of 134
Regular Contributor

Re: First Card, Best Card, Worst Card, Wish Card

Great thread. First: VS store card, still use it quite a bit, the rewards are better than any of my other store cards. Best: PenFed for the limit but Disco gets me the best rewards for my use (still in my first year) Worst: Barclay Apple, it’s on the chopping block, rewards are pretty lousy, only really good for 0% but I don’t need any Apple products. Wish: Venture or CSP, I’d like to travel when my last child leaves home.
Message 44 of 134
Established Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First: Capital One Journey
Best: Chase Sapphire Preferred
Worst: Capital One Journey
Wish: Chase Sapphire Reserve
Message 45 of 134
New Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First Card; Sears Department Store

My best card; Barclay Urpomise (always an offer for APR reduction and my last cli was for 3K)

Worst Card; Capital One Venture,  2nd Freedom unlimited (no cli with bk on record)

Dream Card; Not Sure!  I really want to grow the cards I have and reduce cards from 11 to 5 to 7.

Message 46 of 134
Established Contributor

Re: First Card, Best Card, Worst Card, Wish Card

Funny how a good many of you all hate my best card XD

 

But its okay.  Good ideas up in here for people looking to research.



(▀̿Ĺ̯▀̿ ̿) (⌐▀͡ ̯ʖ▀)
Message 47 of 134
Valued Contributor

Re: First Card, Best Card, Worst Card, Wish Card

First card in my collection:  Discover card around 1997 or so...

Best card in my collection:  BEFCU Platinum Plus VISA at 5.49% F, rewards program included

Wish cards:  These are actually closed cards that I had in the past, but if I could, I would wish to be able to reopen them:  (1) Citi DPR at 5.99% F; and (2) Direct Merchants Bank MC, which had a 90-day grace period on all purchases allowing the ability to carry a balance within  each individual grace period and pay no interest at the same time.

Message 48 of 134
Frequent Contributor

Re: First Card, Best Card, Worst Card, Wish Card



@ 

12/15 - First Tradeline - 06/16 - First Credit Scores - 12/17 - 800 Credit Score - 3/18 - Homeowner
FICO SCORE 08 - Nov 2018 - EX 751 - TU 758 - EQ 766


DW - FICO SCORE 8 - Nov 2018 - EX 766 - TU 767 - EQ 764

Message 49 of 134
Senior Contributor

Re: First Card, Best Card, Worst Card, Wish Card

Back when it was first released it was uncapped rewards but due to a lot of "questionable" purchases like GC abuse they released the current cap of $6k in 2012-2013 I think.

FICO 08 Scores (Nov-18): TU 783, EQ 791, EX 771

Message 50 of 134