topic Re: X1 Denial in Credit Card Applications

X1 Denial

Adkins — Sat, 05 Mar 2022 19:15:08 GMT

Now that we've closed on our home loan, I was curious to see if I'd be offered a card. The short answer is nope.

No, I'm not a high income earner!Ok dokey pokie!

I could call for reconsideration but I'm not going to. I was just curious, and unless they start to report to all three CRAs, it's a hard pass. I'm not interested in another BlisPay!

Re: X1 Denial

AverageJoesCredit — Sat, 05 Mar 2022 19:15:37 GMT

@Adkins wrote:
Now that we've closed on our home loan, I was curious to see if I'd be offered a card. The short answer is nope.
No, I'm not a high income earner!Ok dokey pokie!

I could call for reconsideration but I'm not going to. I was just curious, and unless they start to report to all three CRAs, it's a hard pass. I'm not interested in another BlisPay!

Sorry Adkins, grab yourself a Macy's card and earn 25k the easy way lol

Re: X1 Denial

Adkins — Sat, 05 Mar 2022 15:45:46 GMT

I can't even remember the last time I went into a Macy's, @AverageJoesCredit! 😁

Re: X1 Denial

SoCalGardener — Sun, 06 Mar 2022 00:10:48 GMT

@Adkins wrote:
Now that we've closed on our home loan, I was curious to see if I'd be offered a card. The short answer is nope.

No, I'm not a high income earner!Ok dokey pokie!

I could call for reconsideration but I'm not going to. I was just curious, and unless they start to report to all three CRAs, it's a hard pass. I'm not interested in another BlisPay!

With 'serious delinquency' on your reports, I doubt a reconsideration would yield positive results. The income thing might be a basis for reconsideration, but not the delinquency. Ditto for the high utilization.

Re: X1 Denial

Red1Blue — Sat, 05 Mar 2022 23:32:51 GMT

Hi @Adkins sorry to hear about your X1 denial.

Re: X1 Denial

Adkins — Mon, 07 Mar 2022 06:46:24 GMT

@SoCalGardener wrote:
@Adkins wrote:
Now that we've closed on our home loan, I was curious to see if I'd be offered a card. The short answer is nope.

No, I'm not a high income earner!Ok dokey pokie!

I could call for reconsideration but I'm not going to. I was just curious, and unless they start to report to all three CRAs, it's a hard pass. I'm not interested in another BlisPay!

With 'serious delinquency' on your reports, I doubt a reconsideration would yield positive results. The income thing might be a basis for reconsideration, but not the delinquency. Ditto for the high utilization.

My "serious delinquency" is in my siggy, and both are about to fall off in five months or less. What I found interesting is they used a report that was pulled on the same day I requested a new invite, and not when I actually applied. My report from then doesn't match my current stats at all (except for the six year, seven month old lates). I may try for reconsideration anyway, just for a data point.

Re: X1 Denial

Adkins — Mon, 07 Mar 2022 06:46:58 GMT

@Red1Blue wrote:
Hi @Adkins sorry to hear about your X1 denial.

Thanks!

Re: X1 Denial

dpatel917 — Tue, 08 Mar 2022 03:43:21 GMT

sorry to hear about your denial. I was denied as well last year. I was on the list and got the email in December. Does anyone know how to re apply? My credit profile looks different now than it did when I first applied. I want to apply again, but whenever I enter my phone number and SSN it always says I already have an application. Is this one of those cards that doesn't let you apply again after an intial denial?

Re: X1 Denial

FinStar — Tue, 08 Mar 2022 04:12:47 GMT

@dpatel917 wrote:
sorry to hear about your denial. I was denied as well last year. I was on the list and got the email in December. Does anyone know how to re apply? My credit profile looks different now than it did when I first applied. I want to apply again, but whenever I enter my phone number and SSN it always says I already have an application. Is this one of those cards that doesn't let you apply again after an intial denial?

My guess is that you might need a separate or new invite code? I would hope individuals are not limited to a one-time deal, if denied 🤷‍♂️

I don't think I've come across anyone that was denied and reapplied after some time had passed.

Re: X1 Denial

dpatel917 — Tue, 08 Mar 2022 04:22:32 GMT

I have a new invite code. But whenever I put in my SSN it says there is an application already with this social. The only application I have ever filled out was the intial one back in Dec. I don't know how to get past that. I think it very well could be a one and done type of deal. Unless they have some rule where they keep the application in their system for 6 months or so. Not sure, I also can't find anything online or on their website about it.

Re: X1 Denial

FinStar — Tue, 08 Mar 2022 04:40:00 GMT

@dpatel917 wrote:
I have a new invite code. But whenever I put in my SSN it says there is an application already with this social. The only application I have ever filled out was the intial one back in Dec. I don't know how to get past that. I think it very well could be a one and done type of deal. Unless they have some rule where they keep the application in their system for 6 months or so. Not sure, I also can't find anything online or on their website about it.

I see.

You can try reaching out to X1 (see thread below for contact info) and see what options are available and then update this thread on your outcome.

https://ficoforums.myfico.com/t5/Credit-Card-Applications/X1-Unable-to-approve/m-p/6477075#M304698

Re: X1 Denial

FLLGuy — Tue, 08 Mar 2022 23:31:04 GMT

since it was an SP i was also denied. Curious to see i would get anywhere since I asked for an invite 3-4 months ago.

Anyhow, i was denied due to serious delinquency (Bankruptcy 13 discharged 7mos ago).

oh well i guess they don't like to see BK

Re: X1 Denial

FinStar — Wed, 09 Mar 2022 00:28:15 GMT

@FLLGuy wrote:
since it was an SP i was also denied. Curious to see i would get anywhere since I asked for an invite 3-4 months ago.
Anyhow, i was denied due to serious delinquency (Bankruptcy 13 discharged 7mos ago).

oh well i guess they don't like to see BK

@FLLGuy

BK has been typically a no-go for any of the latest FinTech lenders, whether it's X1, Aspiration Zero or BlockFi, for instance. So, even if you receive another invite, it will likely be denied again.

Re: X1 Denial

crmartin0279 — Tue, 19 Apr 2022 00:47:40 GMT

@FinStar wrote:
@FLLGuy wrote:
since it was an SP i was also denied. Curious to see i would get anywhere since I asked for an invite 3-4 months ago.
Anyhow, i was denied due to serious delinquency (Bankruptcy 13 discharged 7mos ago).

oh well i guess they don't like to see BK
@FLLGuy
BK has been typically a no-go for any of the latest FinTech lenders, whether it's X1, Aspiration Zero or BlockFi, for instance. So, even if you receive another invite, it will likely be denied again.

I was also denied for the X1 and BlockFi card because of the balance on 2 cards but was approved for the Aspiration Zero Card, $3,000, so strange how this game works