Since this card seems to be all the rage these days I thought I'd provide some DP's on my denial.
Got the invite about a week ago and applied and was denied after I entered my info. Did not link bank accts or anything.
Too many past or present delinquent credit obligations with others
All of my delinquencies are due to fall off within the next 2 years as they are all 5+ years old. Zero collections and all baddies other than lates have been removed. I only have 1 120 day late and 3 or so 90 day's, and the rest of my profile is great. I have other cards with 5 figure limits that have excellent history.
EX Score: 726
The denial was a SP as well.
I'm sorry about your denial; the X1 card requires a clean credit report for an approval. My baddies were due to fall off in a few months and I got the same kind of denial.
It seems they are particularly unforgiving with lates. I have read of approvals with various other baddies, however, lates seems to always result in a denial with them.
Sorry for your denial...seems weird that a card being trumpted as a new way of working with credit would be that harsh on lates.
Credit scores already get killed by lates, so curious that a product that claims to be taking into account more than just your scores would be so harsh with lates. Might as well just use the scores lol