What was your limit for your first cc?

[Eli]

$300..

That's what I have now.

 

[Barnaby W. Füi]

Originally posted by: Ameesh

Originally posted by: BingBongWongFooey
How did you people get a credit card with no cosigner and no credit history?

student cards dont require such things, if you are really hard up you can get a secured card to build some credit history and then switch over to an unsecured card at the earliest possible time.

Weird, that's what I had always thought, but I got denied for a college card. :Q

I've thought about secured but I believe it takes 12-18 months or so to be able to switch to a real card, and that kinda sucks.

 

[ActuaryTm]

Originally posted by: RossMAN
1994 CitiBank $300

The same, but a year earlier.

 

[n7]

$1000; my second one was 1500.

 

[Raincity]

Citibank gave me 3000 back in 85. AZ saving bank issued me a MC for 10,000 6 months later. AMEX invited me the following year.

 

[dethman]

500

 

[nageov3t]

$500.

Capital One card that i got when I was 15.

current limit is $10K... it's nice to have great credit at 23 :thumbsup:

meanwhile, I still can't convince my roommate to get his first credit card *shakes his head*

 

[MAME]

$5000 for my first and only card

 

[Chaotic42]

I've never had one. I might get one when my loan is paid off.

 

[RossMAN]

Originally posted by: ActuaryTm

Originally posted by: RossMAN
1994 CitiBank $300

The same, but a year earlier.

How old are you?

 

[anxi80]

it was $500. it jumped to $3000 2 months later. now i believe its at $6000. i only use it every few months, i got another card with better rates and a higher limit.

 

[HiTek21]

My first card only had 200 limit. Capitol one student card, its up to $2200 now.

 

[amdforever2]

First card I got that was not secured, was $1000 from US Bank.

I currently have:

$1000 Providian
$1000 Best Buy
$600 Bank of America
$500 US Bank
$500 Target
$500 Circuit City
$500 Sears
$500 JC Penny
American Express Green with "no preset spending limit"

 

[GtPrOjEcTX]

at 18, $300. was increased to $1000 after the first month, increased to $2000 after the third month.

 

[dionx]

Originally posted by: amdforever2
First card I got that was not secured, was $1000 from US Bank.

I currently have:

$1000 Providian
$1000 Best Buy
$600 Bank of America
$500 US Bank
$500 Target
$500 Circuit City
$500 Sears
$500 JC Penny
American Express Green with "no preset spending limit"

you have alot of low credit cards. i dont think thats beneficial for your FICO score, especially if you charge anywhere above 50% on them even if you do pay down the balance every month.

for me,

$5200 credit union
$5000 First USA (Amazon.com)
$5000 MBNA
$3000 Amex Blue
$1300 CompUSA
$1100 Best Buy

 

[amdforever2]

Originally posted by: GtPrOjEcTX
at 18, $300. was increased to $1000 after the first month, increased to $2000 after the third month.

That's highly unusual..........trippling your limit based on one good payment.

 

[GtPrOjEcTX]

Originally posted by: amdforever2

Originally posted by: GtPrOjEcTX
at 18, $300. was increased to $1000 after the first month, increased to $2000 after the third month.

That's highly unusual..........trippling your limit based on one good payment.

I thought so as well. That's CapitalOne for you.

Btw, it was a 19.9% APR, which I paid off every month. Sucky thing was after that 3rd month where they increased the limit, nothing changed whatsoever on it (no APR drop, no credit limit increase) for the next 2 years. After trying to get an APR drop with customer service over the phone (just so I could have a lower APR in case I couldn't pay it off each month) and failing, I cancelled the card.

 

[ActuaryTm]

Originally posted by: RossMAN
How old are you?

A mere 34 days younger than you. That fateful day towards the end of this year is approaching all too quickly, isn't it? (it certainly feels that way to me)

 

[Ketteringo]

$500 about a year and a half ago, its up to $3k now, even though I dont use it.

AmEx Blue for students.

 

[FrustratedUser]

Originally posted by: Syringer
I'm 20 and in college right now, just got approved for my first cc and the limit is $1500..

$2500, now at $4000.

 

[Regs]

Whatever my parents thought I could handle lol. But now at the age of 21, I learned never to use one. Check and Debit cards.

 

[Dulanic]

Originally posted by: BingBongWongFooey

Originally posted by: Ameesh

Originally posted by: BingBongWongFooey
How did you people get a credit card with no cosigner and no credit history?

student cards dont require such things, if you are really hard up you can get a secured card to build some credit history and then switch over to an unsecured card at the earliest possible time.

Weird, that's what I had always thought, but I got denied for a college card. :Q

I've thought about secured but I believe it takes 12-18 months or so to be able to switch to a real card, and that kinda sucks.

Try Cap 1 they are the first card many people get, including me and a few friends. The APR will suck, and Cap1 sucks... but its credit.

 

[sniperruff]

$500 for my crappy blue student card from amex. it got up to $1k after a year...

 

[Chu]

$400 for a clout.com visa when I turned 18.

 

[CaptainKahuna]

$1000, and I'm a college freshman.