elizabethtodd said:
I still have my Capital One secured card.
Is it Platinum or QuickSilver?
Platinum
Discover it student. Still have it.
I think I was about 16 when I got a Capital One card with a $500 limit. I think the rules have changed since then, as this was about 25 years ago. My first “real” credit card was the First USA Southwest Rapid Rewards card.
Capital One Platinum. Started with a $201 credit limit. Graduated to unsecured status and received a credit limit increase to $501 within the year.
Still at $501 after 4 years, but I did get an upgrade offer to QuickSilver last month.
Discover IT.
My first credit card, about 19 years ago, was a Capital One card. I can’t remember which one, but it was nothing special.
It had a 4.9% interest rate, which mattered at the time since I used credit cards poorly. I kept that card for a long time due to the low rate, even after I stopped carrying balances.
Eventually, I realized it was pointless to keep it since rates didn’t matter to me anymore.
It’s funny how something like that sticks with you even after you change your habits.
I’ve had a Discover card since 2012, back when they weren’t called “Discover It.” I started with a $500 credit line, and now it’s up to $21K. I don’t use that card much anymore since it only gives 1% on most purchases outside of rotating categories, but when dining is included in the rotation (starting in January), it becomes my go-to card! My wife also has one, and we max out the $1500 each quarter during the rotation, then switch to my grandfathered Capital One Savor which has no annual fee and gives 4% on dining. The best quarter was when Chase Freedom Flex had dining as one of its 5% categories, so I ended up with 7% during those three months!
Discover.
Sears store card in the early '80s, then Discover (which started from Sears) in 1986.
Bank Americard. My parents used Bank of America, so I went with them. I was eager to get a credit card, so I just grabbed one. I still keep it open to improve my credit history, but it offers no rewards, and I only use it once a year to keep it active.