topic Re: X1 Card Invite in 3 weeks after request! Is this normal?! in Credit Cards

X1 Card Invite in 3 weeks after request! Is this normal?!

Anonymous — Thu, 17 Feb 2022 04:45:48 GMT

After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Adkins — Thu, 17 Feb 2022 04:56:36 GMT

@Anonymous wrote:
After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.

There doesn't seem to be a rhyme or reason behind who's getting an invite and who isn't. 🤷 They seem to HP from EX as the data shows.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

dkm23 — Thu, 17 Feb 2022 05:08:33 GMT

I believe I submitted my request on 1/4/22 and received my invite email on 2/14

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

ccquest — Thu, 17 Feb 2022 14:44:04 GMT

There's plenty still in line, plenty getting invites shortly after request, and plenty that need invite codes to get in with.

I requested mine back in 2020 and didn't get the actual invite until the start of January.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Mero_mero — Thu, 17 Feb 2022 15:44:45 GMT

This company doesn't seem normal at all. I applied with an invitation code that was given to me and I was declined for not meeting their credit/income threshold. Over a month later, they emailed me stating though I was declined, they'd like to me to update my income and apply again using Plaid to verify what I had in banking. Nothing changed with what I had in checking, give or take a couple thousands dollars, and they approved me with a $38,500 credit line. That makes zero sense. If I was a marginal risk a month prior, why give me a $38,500 credit line a month later? Also, though I never take cash advances, the cash advance limit on the $38,500 credit line is $500. It's like they're trying to inflate their porfolio with the large credit lines, but have been shutting down people for making charges over $1k and seem sketchy.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Wavester64 — Thu, 17 Feb 2022 20:19:07 GMT

@Anonymous wrote:
After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.

Took me 13 months to get my invite, but my scenario is definitely not the norm.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

jonblaze24 — Thu, 17 Feb 2022 21:56:33 GMT

@Adkins wrote:
@Anonymous wrote:
After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.
There doesn't seem to be a rhyme or reason behind who's getting an invite and who isn't. 🤷 They seem to HP from EX as the data shows.

Unless I am missing something, it seems the HP comes AFTER you accept the offer? Can't go wrong with knowing your SL before the ding...I just requested another code using a different email, hope to get something from them soon.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Metalcards — Thu, 17 Feb 2022 23:56:52 GMT

I requested invite April of 2021 and still haven't received it.

😭

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

increasingmyfico — Fri, 18 Feb 2022 02:23:37 GMT

@Anonymous wrote:
After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.

Doesn't seem to be normal to get an invite so quickly, but a few like you have been lucky. Others like me have been waiting months. The invite doesn't ask for much so not sure if anything there has anything to do with how they select who gets to app first.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

UncleB — Fri, 18 Feb 2022 03:22:05 GMT

For giggles I requested an invite a few weeks back and received it just a few days ago.

On closer look, unless I'm overlooking something I'm not a good match for this product and I won't be applying anyway.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

ccquest — Fri, 18 Feb 2022 03:38:02 GMT

@UncleB wrote:
For giggles I requested an invite a few weeks back and received it just a few days ago.

On closer look, unless I'm overlooking something I'm not a good match for this product and I won't be applying anyway.

If you're someone that uses privacy.com, it could be a good replacement for that. For earning alone, it's not that great if you've already got a general 2% card and aren't using the boosts.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Adkins — Fri, 18 Feb 2022 03:47:55 GMT

@jonblaze24 wrote:
@Adkins wrote:
@Anonymous wrote:
After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Does anyone know how there invite system works? Do they prioritize certain credentials over others? Additionally would love to know how the application works....what scoring model and bureau do they HP from? Any insight greatly appreciated.
There doesn't seem to be a rhyme or reason behind who's getting an invite and who isn't. 🤷 They seem to HP from EX as the data shows.
Unless I am missing something, it seems the HP comes AFTER you accept the offer? Can't go wrong with knowing your SL before the ding...I just requested another code using a different email, hope to get something from them soon.

Yes. The early beta invites only got a SP to get their card, once they accepted the offer. This is no longer the case.

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Anonymous — Fri, 18 Feb 2022 05:24:50 GMT

Anecdotal but I got my invite about a month after requesting and was approved and setup the card without a hard pull. I'm curious if there is a score or income requirement for hard pulls. My primary bank is Charles Schwab and my income is about $83,750 with a 770+ score; so I'm maybe I'm not their primary clientele and it was an olive branch?

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

Nliszka — Fri, 25 Feb 2022 13:34:38 GMT

I've literally been waiting since the initial signup and hav yet to receive an invite Hope it didn't get deleted if I did, low 6figure yrly and mid/high 700 CS . Congrats tho !

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

eliteproxy — Sat, 10 Sep 2022 21:55:22 GMT

Iv been waiting for my invite beenon a waiting list .. i have super high score and income. Maybe i can email them and ask if they can expedite my invitation?

Re: X1 Card Invite in 3 weeks after request! Is this normal?!

eliteproxy — Sat, 10 Sep 2022 22:31:44 GMT

@UncleB very reponsible of you. your spot will go to someone on the waiting list and everyones happy. I just feel in love with the card and the brand and I HAVE to have it.. this is "the iphone effect" all over agin lol