@AI_JMV wrote:Well, it's been a minute since I have peeked out of the garden. I am getting ready to app spree and noticed this X1 card with the SP etc etc. I applied and was approved last night for 30.5k SL. Loaded the card into my wallet seamlessly and went to use it today. A $3500 charge. Declined. I texted and emailed support and here was their response. Still shaking my head:
Hi,
Unfortunately this transaction is too large given the age of your account. As with many credit cards, new accounts may experience restrictions on large transactions. You should be able to utilize your full limit over time as your account history with X1 builds.
Best,
X1 Team
WHAT THE .. What is the point of a credit limit then?? Also.. what is the arbitrary purchase limit that DOES work for them and won't be declined?? Are you NUTS?! Not a CHANCE will I ever use this card again after this. Can you imagine trying to use this after a dinner with clients etc? And get declined LOL. So, I guess this will just look nice on my credit report since I will NEVER use this card again.
BEWARE!
This is the 1st I've seen in here! Very strange! I know people that ran much higher charges with no issues in first couple of months!
It is possible they have not fully activated your Card yet and full CL becomes available once you receive the actual card! Similar to what Chase does with new accounts.
@AI_JMV I 100% agree with you, this should not be as complicated! They are backed by a bank so no need to reinvent the wheel from scratch!
Also don't be mad when you see the HP! lol 😂 The SP was for early beta and now is SP for initial SL approval and then HP to finalize the account, which probably that's why your charge didn't go through!
BTW, Congrats on your new X1 Card 🥂🤑👍
Congrats (I suppose?) on your X1 approval, @AI_JMV. 
And your data points about the card experience are invaluable to the community.
On the one hand, after many initial questions* (link1; link2; link3) when the card first came out, I found the X1 card somewhat intriguing and worth at least a little investigation. My final review and commentary (see here and here) explained why I ultimately didn't feel it was a card for me.
Unfortunately for those who applied, this is one of several recent reports of significant issues with the card. I'm truly glad that I passed it up. I appreciate the honest shared experiences of others provide great value in guiding our credit decisions.
For those considering the X1 card, besides the above reported issue with acceptance, I encourage you to read the following threads:
- Major Security Issue with X1
- X1 card (technical issues)
- PLAID Privacy Concerns
- Income Verification Issues (even after allowing bank access) ... and also Here
- Intrusive requests for identity verification by Third-Party "Persona" (MORE privacy concerns)
- Questionable value for some members who have and used the card
- Credit Limit Decreases for Insufficient Usage
- X1 Card Adds Monthly Spending Cap for 3X Rewards
@AI_JMV wrote:I applied and was approved last night for 30.5k SL. Loaded the card into my wallet seamlessly and went to use it today. A $3500 charge. Declined. I texted and emailed support and here was their response. Still shaking my head:
Hi,
Unfortunately this transaction is too large given the age of your account. As with many credit cards, new accounts may experience restrictions on large transactions. You should be able to utilize your full limit over time as your account history with X1 builds.
Best,
X1 Team
I wonder if support's response meant to talk about a limited CL prior to having the physical card, but that's a horrid response, all the same.
