X1 Denial

[Adkins]

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! 

[AverageJoesCredit]

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@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! 

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

[Adkins]

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

[SoCalGardener]

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@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! 

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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.

[Red1Blue]

Hi @Adkins sorry to hear about your X1 denial.

[Adkins]

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@SoCalGardener wrote:

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@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! 

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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.

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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. 

[Adkins]

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@Red1Blue wrote:

Hi @Adkins sorry to hear about your X1 denial.

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Thanks!

[dpatel917]

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? 

[FinStar]

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@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? 

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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.

[dpatel917]

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.