What was the first card you ever had?

For just about anything you want to get off your chest about credit cards.
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What was the first card you ever had?

Postby BonusPack » Mon Nov 18, 2013 11:50 pm

Hey I was wondering what everyone's first credit card was? Like who was it from? How much was your CL? What was your APR?

Mine was a Old Navy Visa with a CL of 1,000 and an APR of 22.99%

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Postby Vandalized2 » Tue Nov 19, 2013 12:42 am

Wells Fargo when I turned 18 with a 1.2k credit limit 15.15% APR

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Postby whit » Tue Nov 19, 2013 1:40 am

first was under my mom, 16, CL 3k
when I turned 18 I applied for the same card but under my own name and income, 600. never bothered with APR because I paid it off full--after six months they auto bumped me to 3k and have been steady since.

citi platinum dividend

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Postby MemberSince99 » Tue Nov 19, 2013 6:49 am

A Visa from a local bank (which no longer exists) I got in 1989 at 24 with a 2k limit. Back then they would give you that even if you really didn't have a lot of history.

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Postby dickey1331 » Tue Nov 19, 2013 7:06 am

1st Financial Bank USA for $500.
American Express Blue Cash Preferred $16,000
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
Chase Sapphire Preferred $6,500
Chase Freedom $4,500

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Postby bisbicos » Tue Nov 19, 2013 7:34 am

Bank of America AAA visa. 5% back on gas, $2500 limit, 9.9% apr. Got it back in 2005
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

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Postby Mrm-na » Tue Nov 19, 2013 9:27 am

I saw the paperwork from mine just a couple days ago.
2008, Capital One Platinum. $300 limit, 12.9% APR with a 0APR promotional period. I don't think they asked for income - I guess that limit was low enough they decided it wasn't a meaningful question.
I don't think I ever actually saw the 12.9% - by the time my 0APR had expired the banks were going nuts. I think it was 15.9 for a while, and later got jacked to 17.9%, where it sits today. With a $500 limit of course (same old story).
But it's funny, the original terms were Prime+7.something = 12.9%. That was with no credit history that I'm aware of. I can't even get that today, with score in the high 700s. My limits on newer cards are higher but my lowest APR is still 14.99%.

I went quite a while not wanting a credit card. I'm just glad that when I finally applied for one, I did it before the financial panic had hit. If I'd waited a few months longer, it would have been a lot harder to get in. I would have rejected any secured deal.
Even after getting that card, I didn't care about building credit as much as I should have. I didn't add a 2nd card until just 1 year ago, and the 3rd and 4th were very recent.

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Postby jumbo » Tue Nov 19, 2013 9:36 am

Bank of America Platinum VISA with 700 CL back in 2010.
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

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Postby Sevenfeet » Tue Nov 19, 2013 9:37 am

First charge card was a Amex Green when I was a senior in college back in 1988. Converted it to a Gold card the next year when i got my first job. First credit card was probably a Visa card I had on a small local bank in 1993 or so...about the same time I got a mortgage through the same bank. Both card and mortgage are ancient history.
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

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Postby BonusPack » Tue Nov 19, 2013 10:09 am

Very interesting to see the variety of cards! Some people got some really good deals for their first. Good to see. Some people got their first card through their parents and I wish I could've done that but my mother never really cared for credit. Always preferred cash. Cant blame her credit cards can get messy if you don't know how to manage them properly. I'm a bit new to the credit card game but I do well for what I have. Thanks for the replies everyone. Much appreciated!

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