What was the first card you ever had?

For just about anything you want to get off your chest about credit cards.
37 posts
MrClean
Green Member
Green Member
 
Posts: 5
Joined: Mon Dec 09, 2013 11:37 am
Location: TX

Postby MrClean » Wed Dec 11, 2013 1:39 pm

A Wells Fargo student card when I first transferred between universities. There was a small Wells Fargo bank in the student center building, and during orientation they were encouraging people to apply for their cards. $1000 limit, can't remember the APR. I had a little bit of credit history built from paying an auto loan during high school.


fL1Pm0d3
Green Member
Green Member
 
Posts: 14
Joined: Sat Oct 19, 2013 11:21 am
Location: NC

Postby fL1Pm0d3 » Thu Dec 12, 2013 8:40 am

My dad helped me get a credit card before I was 18. It was a Coastal Federal Credit Union card with $500 limit. Afterwards I applied for a Banana Republic card, while I worked there with a $800 limit.
Travel Perks: AMEX Platinum, SPG Amex ($16300), Chase Sapphire Preferred ($11600)
5% Rotating Cashback: Discover IT ($5800) , Chase Freedom Signature Visa ($10000)
Low APR Card (7.99%): CFCU ($5000)
Co-Branded Card: Barclays Apple Visa ($3800)


Future: BCP, Close Apple Visa and open Arrival

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Thu Dec 12, 2013 9:20 am

My first card was my BOFA Cash Rewards card. Still have it, and no plans of closing it.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

RewardHop
Centurion Member
Centurion Member
 
Posts: 307
Joined: Wed Jan 02, 2013 3:43 pm
Location: USA

Postby RewardHop » Sun Dec 15, 2013 12:44 am

My first card was an Amazon.com Visa, around $300-500 CL. Still open
[size=60]
Amex BCE: 3% grocery, 2% gas
Bank of America Better Balance Rewards MC: $25/quarter bonus
Barclaycard Rewards Visa Signature: 2% gas, groceries, utilities
Capital One Quicksilver Visa Signature: 1.5% everything
Chase Freedom Visa Signature: 5% rotating
Citi Forward Visa: 5% restaurants/fastfood, movie theaters, amazon.com
Discover It: 5% rotating
SallieMae MC: 5% Groceries, Gas, Amazon
US Bank Cash+ Visa Signature: 5% electronic stores, restaurants
Sock Drawered: Chase Sapphire, Chase Amazon[/size]

darkguy2
Centurion Member
Centurion Member
 
Posts: 606
Joined: Thu Jan 24, 2013 12:24 am
Location: United States

Postby darkguy2 » Mon Dec 16, 2013 9:21 am

I got the Discover IT student card at the beginning of this year when I was 20. Got a $1500 limit that has been raised to $1850 since.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

BonusPack
Green Member
Green Member
 
Posts: 24
Joined: Fri Nov 15, 2013 11:39 pm
Location: Florida

Postby BonusPack » Mon Dec 16, 2013 10:02 am

Seeing all these different answers is really interesting. Needless to say The old navy visa turned out to be useless. I only got it because I kept getting denied by every card I applied for. Still have it and I don't know when I'll close it.

cpaynter
Green Member
Green Member
 
Posts: 17
Joined: Mon Mar 15, 2010 7:27 pm
Location: chicago area

Postby cpaynter » Mon Dec 16, 2013 11:43 am

Well, I sense I am the dinosaur participating in this thread.

My first two cards were Sears and JCPenney. Applied for both on the same day, and I don't know which was first. This was in 1983, before the great cashback deals and crazy signup bonuses, and even before widespread acceptance of Visa/MC (Sears, for example, didn't accept Visa/MC). Discover wasn't even a twinkle in anyone's eye yet, and AmEx was for really rich people. I do think I got some sort of signup bonus for at least one of the store cards, like a $5 merchandise credit. Yay! After that, it was various gas cards (Clark, Citgo, Shell, etc.) Gas stations, for the most part, didn't accept Visa/MC in those days either, or charged a high premium for paying with a card other than their own. I eventually got a Citi M/C that didn't pay any cashback, IIRC.

My first card of the current rewards era was the Chase Cash Plus card, which gave 5% on gas/grocery/drug, and a $250 signup bonus. That eventually turned into a Chase Freedom card, and I went on to apply for the Citi Driver's Edge Card (6% on gas/grocery/drug (12% for the first year), and 2% on everything else). Thus began the obsession...

Chris

samhradh
Centurion Member
Centurion Member
 
Posts: 388
Joined: Thu Nov 21, 2013 1:13 pm
Location: United States

Postby samhradh » Mon Dec 16, 2013 6:59 pm

cpaynter wrote:My first card of the current rewards era was the Chase Cash Plus card, which gave 5% on gas/grocery/drug, and a $250 signup bonus. That eventually turned into a Chase Freedom card, and I went on to apply for the Citi Driver's Edge Card (6% on gas/grocery/drug (12% for the first year), and 2% on everything else). Thus began the obsession...


So cool to learn about the bonuses offered "Back in the day." Also both of those rewards programs are awesome. Would love a card with that program!
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

chas0039
Platinum Member
Platinum Member
 
Posts: 82
Joined: Sat Dec 28, 2013 5:56 pm
Location: Excelsior

Postby chas0039 » Mon Jan 06, 2014 8:20 pm

My first was BankAmericard back in 69. No rewards, no points, no bonuses, just a couple hundred dollars of credit and the start of a good credit history. I seem to recall an annual fee a well.

mathman314
Platinum Member
Platinum Member
 
Posts: 54
Joined: Mon Dec 23, 2013 2:42 pm
Location: Texas

Postby mathman314 » Mon Jan 06, 2014 9:13 pm

August of 2012. First Financial bank USA with a $250 CL at 29.9% APR. It is now at $2250 and still 29.9% APR
Cards:
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

FICOs:
TU - 785 (December 2015)



Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests