topic Re: X1 Approval - $21K Credit Line in Credit Card Approvals

X1 Approval - $21K Credit Line

Caribsa89 — Tue, 21 Dec 2021 02:12:14 GMT

I applied for the X1 Card today. They softpulled Experian and my Fico 8 score is 839! I tried to link my Capital One Savings but X1 said something went wrong and asked me to use another account; yet, I received an e-mail from Cap One that said it went through.

Anyway, I then linked my BofA checking and was approved for $21,000 with a 65K income!

My biggest CL before was Discover 10K, Cap 1 Union Card 8K, and Macy's AMEX 7.5K

Before, I had a 44.8 K total credit lines with 6 cards and owe less than $900. I have 0 inquiry's. I have not applied for anything in over 2 years (last was Sept 2019). I have 2 more Cap 1 cards that they refuse to give CLI and I have asked 3 times in the past 2 years and they always declined (Venture One - 3.5K CL and Quicksilver 4K CL). I might cancel the Venture One card for I plan to apply for the AMEX Delta Gold in January of next year. Or maybe throw it in the sock drawer to be pulled out for a tank of gas once a year.

Re: X1 Approval - $21K Credit Line

Elpadrino1 — Tue, 21 Dec 2021 02:15:57 GMT

Congratulations on your X1 approval!!

Re: X1 Approval - $21K Credit Line

M_Smart007 — Tue, 21 Dec 2021 02:20:40 GMT

Grats on The X1 Approval!

Re: X1 Approval - $21K Credit Line

Guyatthebeach — Tue, 21 Dec 2021 02:24:19 GMT

Congratulations on your approved!

Guyatthebeach

Re: X1 Approval - $21K Credit Line

gdale6 — Tue, 21 Dec 2021 02:43:37 GMT

Grats on your X1 approval

Re: X1 Approval - $21K Credit Line

coreyb80 — Tue, 21 Dec 2021 02:45:18 GMT

Congrats on the nice approval!

Re: X1 Approval - $21K Credit Line

Ilinferno — Tue, 21 Dec 2021 05:34:17 GMT

Congrats on the nice X1 approval!

Re: X1 Approval - $21K Credit Line

Total80sKid — Tue, 21 Dec 2021 05:51:46 GMT

Congrats on your X1 approval 👍🏼

Re: X1 Approval - $21K Credit Line

CreditAggie — Tue, 21 Dec 2021 06:03:27 GMT

Congratulations on your X1 approval!

Re: X1 Approval - $21K Credit Line

Caribsa89 — Wed, 22 Dec 2021 02:37:14 GMT

I just looked at the stat and I was surprise at the apr and it was 21.5K

X1 Approval 12/20/21

Re: X1 Approval - $21K Credit Line

Relatxbles — Tue, 21 Dec 2021 14:16:45 GMT

That's awesome! Nice work on the beautiful limit!

Re: X1 Approval - $21K Credit Line

Anonymous — Tue, 21 Dec 2021 17:14:03 GMT

Congratulations

Re: X1 Approval - $21K Credit Line

davlat — Sat, 01 Jan 2022 19:59:27 GMT

I didnt think their apr went that low i saw it was 12 % something as their lowest on their web site

Re: X1 Approval - $21K Credit Line

Caribsa89 — Sat, 01 Jan 2022 20:17:04 GMT

@davlat - Yeah, their Apr is 12.75% on their site. I guess there's an exception for people with Exceptional Fico scores I assumed. Two others posted on another board of receicing the 9.50% Apr and their Fico 8 scores were 829 and 843; mine fell in between at 839 before their hard inquiry, now it's 836.

Re: X1 Approval - $21K Credit Line

Lou-natic — Sun, 02 Jan 2022 01:22:42 GMT

Grats on the X1 approval and welcome to the club!

Did they approve you at that rate or did you just see it in the app? If it's in the app then keep an eye on it.