Who has the oldest credit card?

[Billb2]

Well, how long have you had the same one?

 

[John Connor]

I have a credit card so old I think Western Union delivered it to me.

Name of credit card?

I had "exclusive rewards."

 

[Billb2]

Ok, working credit cards only...

 

[Balt]

I've had an account since around 2001. It was Suntrust, then taken over by someone else, then taken over by Bank of America.

I only keep it open at this point to help my credit score. The rewards are better on my Amex and Capital One Visa.

As for the age of the physical cards, they are all pretty new since they switched to chip and signature.

 

[blackangst1]

Ive had a continuous account open with Amex since 1991.

 

[GagHalfrunt]

Mine is hand carved from wood and drawn on the Bank of the Orange Free State. I win.

 

[highland145]

B of A 1988. No it didn't start out as a B of A.

 

[ControlD]

I guess technically nobody is going to have a working card that is more than a few years old because they are constantly being replaced ....

Assuming the question is how long have I held the same account, that would be my Citibank card which I got in the summer of 1988. I think that card had something like a $300 credit limit.

 

[rh71]

Around '99 when I started college. Don't use it anymore as there have been quite a few better rewards programs since. The one I carry everyday is the double cash Citi which wasn't introduced until a couple years ago at most.

B of A 1988. No it didn't start out as a B of A.

B of A is so incredibly incompetent. I've had the displeasure of dealing with their CS reps AND their supervisors MANY times. They'd told me no less than 3 different reasons why I didn't qualify for a quarterly reward. After about 3 different "reference number" tickets spanning 3 months they were finally able to explain it properly. The last straw - after waiting a week for a response, I call back and wait 30 minutes on hold yet again (their avg wait time), they tell me they didn't even know what quarter the ticket was referring to - this after being on the phone with a supervisor for over an hour who supposedly documented everything in the ticket. And of course they didn't give me the benefit of the doubt for all my troubles. Over $25. Their website recurring payment screwed me once too, paying something I had already paid leaving me a negative balance disqualifying me for a reward I spent 3 months working on. It wasn't just one person or one facet of the business. For such a big bank, they utterly blow. No problems with any other banks I've ever dealt with.

 

[highland145]

Yeah, BofA stuck me on my 1st mortgage.

The visa I mentioned started off at S.C. National then Wachovia then Wells Fargo then card services before finally ending up at BofA. I use it every few months just to keep it active because it has a high credit limit and it's my oldest account.

 

[edro]

Account numbers change quite a bit nowadays as well.
Data breach? Fraud charge? Send out all new cards...
Its rare to have a CC# longer than a few years now.

 

[dank69]

1992 still have it but don't use it, and it's still the original bank. Helps keep my credit score in the 840s

 

[pete6032]

Account numbers change quite a bit nowadays as well.
Data breach? Fraud charge? Send out all new cards...
Its rare to have a CC# longer than a few years now.

I think he meant who has had the longest opened line of credit under one program.

 

[IronWing]

1992 still have it but don't use it, and it's still the original bank. Helps keep my credit score in the 840s

All roads lead to Chase. Your bank will be assimilated.

 

[clamum]

I'm sure people have older ones, but I still have my first MasterCard and Visa (of course, I've been issued new cards; same account though) I got shortly after I turned 18. So they're 15 years old.

 

[IronWing]

Back in college, students used to apply for the JC Penney CC card in order to get the free stuff offers. We would put down zero income so the application would get rejected. Then we'd apply again for more free stuff. Eventually they issued me a credit card, the bastards. That's how I got my first CC. I don't recall ever using it. Years later when we were buying a house, the Penney's card came up on the credit report and I was like, "That's still open?" so I had to close it.

 

[FeuerFrei]

One card. Opened account around 1999. Interest has been fixed at 10% since 2005 so I'm sticking with it.

 

[IronWing]

One card. Opened account around 1999. Interest has been fixed at 10% since 2005 so I'm sticking with it.

Now you've done it. Interest shaming incoming!

 

[dank69]

Back in college, students used to apply for the JC Penney CC card in order to get the free stuff offers. We would put down zero income so the application would get rejected. Then we'd apply again for more free stuff. Eventually they issued me a credit card, the bastards. That's how I got my first CC. I don't recall ever using it. Years later when we were buying a house, the Penney's card came up on the credit report and I was like, "That's still open?" so I had to close it.

That probably negatively affected your credit score.

 

[IronWing]

That probably negatively affected your credit score.

Maybe but the mortgage lender wanted it closed in order to proceed with the loan. Didn't make a lot of sense but it was an easy thing to do and I didn't use the card anyway.

 

[dank69]

Maybe but the mortgage lender wanted it closed in order to proceed with the loan. Didn't make a lot of sense but it was an easy thing to do and I didn't use the card anyway.

Weird.

 

[Markbnj]

I had one for 20 years and then when I paid it off and cancelled it the rep on the phone was like "but, but, how could you? we've been together so long!"