X1 Credit Line Increase

[CYBERSAM]

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@lilwayneross wrote:

I will be following this post. I'm curious as well.  I will do some digging. I just received my card not long ago.  I got 3. One for myself. One for my 19 year old college son. And another for my 20 year old college son. Credit limits were pretty significant. $22.5k, $19.5k, and $10.5k respectively. But we have a high income with weekly pay going into our accounts we linked.

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Its not reporting for me yet but others that I have referred showing report already! Go figure lol

Base on their terms of service any CLI request would be HP.

[RootDet]

I texted them the other day and no dice. automated cli only. 

[bilwilvegas]

I was initially approved on 1/5/2022 with a SL of $29,000  I was hoping for higher so after thinking about it for a couple weeks I texted them on 1/21/2022 and explained my usual spending habits and that I was hoping for a higher limit.  They got back to me about 3 days later and increased my limit to $40,000  I have had fairly consistent spend on the card and I pay in full daily for whatever balance shows up in the app each day.

January charges totaled $21K

February charges totaled $66.7K

March charges totaled $55.5K

April charges totaled $41.6

May statement should be out in the next couple days.

I reached out about 2 weeks ago via text and asked about another CLI and they told me that increases will only be automated for the time being but they will monitor my account and adjust as necessary.  I am wondering if I should let the balance accrue and report then pay in full each month to see if that might get them to increase the limit.

Definitely love the points though.  I am at 686,769 year to date and looking forward to spending them on some airfare.  I think it will let them to accrue to 1 million before spending them just to see if the app is programed to show 7 digits of points or not LOL

PS  So far Experian is the only bureau reporting the X1 card for me.

[Metalcards]

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@bilwilvegas wrote:

I was initially approved on 1/5/2022 with a SL of $29,000  I was hoping for higher so after thinking about it for a couple weeks I texted them on 1/21/2022 and explained my usual spending habits and that I was hoping for a higher limit.  They got back to me about 3 days later and increased my limit to $40,000  I have had fairly consistent spend on the card and I pay in full daily for whatever balance shows up in the app each day.

January charges totaled $21K

February charges totaled $66.7K

March charges totaled $55.5K

April charges totaled $41.6

May statement should be out in the next couple days.

I reached out about 2 weeks ago via text and asked about another CLI and they told me that increases will only be automated for the time being but they will monitor my account and adjust as necessary.  I am wondering if I should let the balance accrue and report then pay in full each month to see if that might get them to increase the limit.

Definitely love the points though.  I am at 686,769 year to date and looking forward to spending them on some airfare.  I think it will let them to accrue to 1 million before spending them just to see if the app is programed to show 7 digits of points or not LOL

PS  So far Experian is the only bureau reporting the X1 card for me.

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Mine is also reporting on EX only.

[practical1]

@lilwayneross 

Noticed that you were able to get an X1 for your son in college. 

Great idea!  How much income did you state and how were you able to verify that?  How much $$$ were on deposit in the bank when the application was submitted?  FICO score?  Etc?

I'd love to get my daughter her own card with a decent limit as I've been helping her build her own credit file for a couple of years now so she'll have a solid foundation for when she graduates.  She's been an authorized user on some of my cards  and has a couple of starter Discover Cards, etc. -- with small $1K limits, while useful, they don't really do a lot for her....

Any help and information would be appreciated! 

Thanks.

[12njoy]

Mine is reporting on EX and TU only.

[engr892]

@CYBERSAM X1 has recently reported to all 3 as of last month after 2 months of opening

[CYBERSAM]

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@engr892 wrote:

@CYBERSAM X1 has recently reported to all 3 as of last month after 2 months of opening

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TU started reporting for me!

Good to see X1 is going to report on all 3, many other cards that came out with similar concept are not planning to report at all!

[practical1]

Mine started reporting on EX ond TU as well, right at the 6-month mark.