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X1 Approval

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8Hunnid
New Contributor

X1 Approval

I recieved the invite about 6 weeks after joining the waitlist. The entire process and Plaid were pretty simple and seamless. Instant approval for $27,000. By far my highest starting limit. I was shown 2 different APRs, 15% and 18.9%. I remember someone else mentioning this but don't remember which was their actual APR. 

DPs

1/6, 4/12, 4/24. 13% Util with 1 card at 85%. 

At 3% cash back, this will cover our tuition fee and the Plastiq fee to use a credit card for our car payments. Between the boosts and bonus pts for autopay, this card will get used alot

Trans 750 EX 750 EQ 750
CO Quicksilver 1,500
FNBO Speedway 18,000
Amex BCP 20,000
Barclay View 13,500
Sync Lowes 16,000
Chase FU (P2) 6,600
Chase F 12,000
Discover (P2) 18,000
US Bank Cash+ 12,000
General Electric CU 15,000
X1 27,000
Chase CSP 16,600
Hilton Honors 15,000
Utilization 10%
Negative - 30 day 6 years ago
Message 1 of 11
10 REPLIES 10
M_Smart007
Legendary Contributor

Re: X1 Approval

Grats on the X1 approval!

Message 2 of 11
Ilinferno
Established Contributor

Re: X1 Approval

Nice approval! Congrats!

Message 3 of 11
CreditMagic7
Mega Contributor

Re: X1 Approval

Congrats on that X1 approval!

Message 4 of 11
CreditAggie
Community Leader
Super Contributor

Re: X1 Approval

Congratulations on your X1 approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 11
Total80sKid
Senior Contributor

Re: X1 Approval

Congrats on your X1 approval 👍🏼

Message 6 of 11
gdale6
Moderator Emeritus

Re: X1 Approval

Grats on your X1 approval Smiley Happy

Message 7 of 11
cashorcharge
Community Leader
Super Contributor

Re: X1 Approval

That's terrific!!  Congratulations on your X1 Approval!! 🎉🥂👏

Message 8 of 11
rostrow416
Established Contributor

Re: X1 Approval


@8Hunnid wrote:

I recieved the invite about 6 weeks after joining the waitlist. The entire process and Plaid were pretty simple and seamless. Instant approval for $27,000. By far my highest starting limit. I was shown 2 different APRs, 15% and 18.9%. I remember someone else mentioning this but don't remember which was their actual APR. 

DPs

1/6, 4/12, 4/24. 13% Util with 1 card at 85%. 

At 3% cash back, this will cover our tuition fee and the Plastiq fee to use a credit card for our car payments. Between the boosts and bonus pts for autopay, this card will get used alot


I thought it was my mistake but I'm pretty sure I saw the same thing - an 18.xx% APR but in the app it shows a 15% APR.  May just have been a glitch during the approval.  I didn't think anything of it, because I didn't get this card for it's APR but at least I know I wasn't crazy.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 9 of 11
Lou-natic
Established Contributor

Re: X1 Approval


@8Hunnid wrote:

I recieved the invite about 6 weeks after joining the waitlist. The entire process and Plaid were pretty simple and seamless. Instant approval for $27,000. By far my highest starting limit. I was shown 2 different APRs, 15% and 18.9%. I remember someone else mentioning this but don't remember which was their actual APR. 

DPs

1/6, 4/12, 4/24. 13% Util with 1 card at 85%. 

At 3% cash back, this will cover our tuition fee and the Plastiq fee to use a credit card for our car payments. Between the boosts and bonus pts for autopay, this card will get used alot


Congrats on your approval! They showed me an APR of something like 18.75% when I was approved but when I look in the app it says 15.5%. Nowhere during the app process did it say anything about a promotional rate either so who knows.



3/3/24
Message 10 of 11
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