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X1 Invitation Then Denial

mrtech3
New Contributor

X1 Invitation Then Denial

Got the invite today...I went through the app and it asked for personal information then went on to ask for income...When I hit submit at no point did it try to link up or ask me what bank I use...It said we can't offer you a card at this time we will email you in a few days with the reasons why...Anyone else get this response?...

Message 1 of 9
8 REPLIES 8
Goos
Regular Contributor

Re: X1 Invitation Then Denial

Yep , took 3 weeks for the email . Too many bankruptcies . Which is 1 , 9 years ago . But 1 too many . 


@mrtech3 wrote:

Got the invite today...I went through the app and it asked for personal information then went on to ask for income...When I hit submit at no point did it try to link up or ask me what bank I use...It said we can't offer you a card at this time we will email you in a few days with the reasons why...Anyone else get this response?...


 

Message 2 of 9
Ilinferno
Established Contributor

Re: X1 Invitation Then Denial

That's a bummer, sorry to hear about the denial. Do you have a bk on your report?



Message 3 of 9
blazerein
Frequent Contributor

Re: X1 Invitation Then Denial

I got the invite too then SP denial.  Reason is that bank can't verify my income.  I put Household income like I always do and not my actual Annual income and they denied me.  The good news is that - it was a Soft Pull.

AAoA 6yrs 3mos | Inquries: TU6/EQ7/EX7 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2022 -> FICO 8 EX 740 TU 735 EQ 740 | FICO 9 EQ 755 TU 740
Message 4 of 9
thatsrichh
New Member

Re: X1 Invitation Then Denial

A similar thing happened to me. Got denied after sending in bank statements but creditworthiness is there. Because this process is "based on the information provided" part of me wants to pursue a reconsideration (even if such a thing exists with X1) and the other half thinks, "did I dodge a bullet with this one?"

 

Does X1 have some kind of recon or reapplication path/wait period? Or should this be let go?

EX 703 / EQ 721 / TU 719
Message 5 of 9
Wavester64
Valued Contributor

Re: X1 Invitation Then Denial


@Goos wrote:

Yep , took 3 weeks for the email . Too many bankruptcies . Which is 1 , 9 years ago . But 1 too many . 


@mrtech3 wrote:

Got the invite today...I went through the app and it asked for personal information then went on to ask for income...When I hit submit at no point did it try to link up or ask me what bank I use...It said we can't offer you a card at this time we will email you in a few days with the reasons why...Anyone else get this response?...


 


Wow! 9-years ago and that is the reason they give for denial? Sheesh, seems a bit much to me. I mean, how long has one gotta wait? I thought the standard 7-years was the going rate as it pertains to being out of that BK purgatory. Sorry to hear about your denial Smiley Sad



Potential Future Cards
Message 6 of 9
Lou-natic
New Contributor

Re: X1 Invitation Then Denial

Wait you have a BK from 9 years ago still reporting...that's a little ridiculous.

Current Cards


Goal Card

2022 goals: Garden

1/8/22
Message 7 of 9
mark3038
Established Contributor

Re: X1 Invitation Then Denial

A chapter 13 stays on your report for 7 years. A chapter 7 stays on your report for 10 years.

Thanks

Mark

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 8 of 9
Lou-natic
New Contributor

Re: X1 Invitation Then Denial


@mark3038 wrote:

A chapter 13 stays on your report for 7 years. A chapter 7 stays on your report for 10 years.

Thanks

Mark


Oh wow. I'm so glad I didn't declare bankruptcy now but at one point I had given it serious consideration.

Current Cards


Goal Card

2022 goals: Garden

1/8/22
Message 9 of 9
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