topic X1 or wait? in Credit Card Applications

X1 or wait?

hazmat2021 — Mon, 09 May 2022 22:53:00 GMT

Hello All

Current age of credit is 1yr 10 months. My X1 invite expires next Monday. My Experian has only 1 inquiry that drops on 5/30/22. Current TCL @ 70,500 with ExpCS 779. Can't decide lol , please help

Thanks!

Re: X1 or wait?

RobynJ — Mon, 09 May 2022 23:56:30 GMT

Well from what I have been reading the wait list is long and the time to get thru it is just as long. It could be quite a while until you get another chance and with your DP's it sounds to me like a solid chance for approval but I am far from the expert.

Re: X1 or wait?

CYBERSAM — Tue, 10 May 2022 02:01:45 GMT

Go for it 😎

Its a HP only if you except the offer!

Re: X1 or wait?

babygirl1256 — Tue, 10 May 2022 04:00:25 GMT

I'd vote to go for it . . . Not everyone gets an invite . . . or at least I'm still waiting after debating whether I'd grant access to my bank account but if offered a decent starting limit, I'd take it for sure!!!

Re: X1 or wait?

derboesekoenig — Tue, 10 May 2022 18:01:26 GMT

Wait huh? You got into credit less than 2 yrs ago and you have a nearly 100k limit already? **bleep**

Re: X1 or wait?

hazmat2021 — Tue, 10 May 2022 18:07:37 GMT

Thank you

Re: X1 or wait?

hazmat2021 — Tue, 10 May 2022 18:52:12 GMT

9/2019 I started my rebuilding journey! Stupid me stopped using credit during the Great Recession & had my 3 cards closed due too non use A big Txs too Apple for the $250 Apple Card on 9/19/19 w/ a FICO of 524 - uggh. Basically got a undergraduate degree in Credit now

8CFB8D76-997E-43CA-B693-102F848D67AD.png

I'm super proud of myself

Re: X1 or wait?

hazmat2021 — Tue, 10 May 2022 18:49:43 GMT

Almost 3 yrs but average age is below 2 because of the Quicksilver card I got 2 yrs ago. My opinion: (Mod cut - not here, please -- be mindful of the TOS @hazmat2021) Capital One lol

Re: X1 or wait?

hazmat2021 — Thu, 12 May 2022 17:10:12 GMT

UPDATE: went for it on 5/11! Got approved for a CL of $24,500!!! Now back too the garden lol. Txs y'all for the help