X1 FICO requirements

[AlanGJP]

700+ FICO and a decent amount in the account they check. (Had just under 6 figures sitting when they checked mine) Oh and ZERO marks on your file.

[Secretchipmunk7]

I don't think they care so much about balance though because some have gotten huge limits with little in their account. I think it's mainly to verify income. Are you sure about the 700 fico? Just asking. I don't know. Seems quietly that 670 is minimum but I don't know if that's accurate.

Sounds like no marks on report does matter 

---

@AlanGJP wrote:

700+ FICO and a decent amount in the account they check. (Had just under 6 figures sitting when they checked mine) Oh and ZERO marks on your file.

---

---

@AlanGJP wrote:

700+ FICO and a decent amount in the account they check. (Had just under 6 figures sitting when they checked mine) Oh and ZERO marks on your file.

---

[Secretchipmunk7]

I would guess that might be a reason...

But I honestly don't know. People with high scores got denied and they claim no bad marks, if they are being honest. Hm.

---

@citymunky wrote:

@Secretchipmunk7@I meant to say "Not" the main focus. I really don't know why I was not pre-approved as I made a little over 90k when I applied. I do have a paid charge-off on my record, so maybe they were not a fan of that

---

[Secretchipmunk7]

The huge limits and not needing a 720.

---

@805orbust wrote:

Hey what is even the appeal if that card? Or am I just getting to the age where I'm not with it anymore?  🤣

---

[Jnbmom]

I was denied awhile back scores high 700's no baddies . However my main back is small and local so it doesn't verify with plaid and my other banks dont the show my income . So there's that . 

[Anonymous]

I always think if this scene when I hear that word.

[CYBERSAM]

@Secretchipmunk7   Not sure still the case, but when you app its a SP for initial process and once you accept the approval with SL then its going to be HP!

If you can link your bank to Plaid and show income deposits then you should be good.

[bpcnabe]

if you get rejected, what is the wait time before reapplying, considering my financial picture has been updated? I got the invite early this yr (denial) and now that it is open to public, wanting to try again. Thx

[increasingmyfico]

---

@bpcnabe wrote:
if you get rejected, what is the wait time before reapplying, considering my financial picture has been updated? I got the invite early this yr (denial) and now that it is open to public, wanting to try again. Thx

---

I don't think you can right now. 

[FinStar]

---

@increasingmyfico wrote:

---

@bpcnabe wrote:
if you get rejected, what is the wait time before reapplying, considering my financial picture has been updated? I got the invite early this yr (denial) and now that it is open to public, wanting to try again. Thx

---

I don't think you can right now. 

---

@increasingmyfico - can you clarify?  X1 is now open for anyone to apply, IIRC.