Re: X1 Card Approval -- 2021-12-09 Status and Data... - myFICO® Forums - 6456598

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FINALLLY received my e-mailed invitation today, after about 3 months on waiting list.

Pulled the trigger today on this invitation, with the following DPs:

Experian FICO 8 776, Stated Income $300K, Checking Account Bal: $41K

Reported total CLs on Experian: approx $131K. Utilization: 1% AAoA: 3 years 5 Months (a few new cards during last 6 months). Oldest account visible: 13 years. 100% on-time payments. No BK, no collections. No mortgage or auto loans reporting but have about 17 revolving cards and 1 installment loan, and a couple of revolving lines showing.

Offered $29K SL at 16% (and change) interest rate. A bit disappointing (compared with their representation of "4 - 5 times other credit limits") but not terrible.

I accepted and card delivery promised via FedEx on Tuesday,

Message 1 of 21

20 REPLIES 20

WOW! Very interesting - I'm on the waitlist myself.

Look forward to hearing more about this card! Congrats on the nice approval 👍🏻

Message 2 of 21

Congrats on the X1 approval.

Message 3 of 21

Appreciate the DPs! Congrats on the approval!

Message 4 of 21

Congratulations on your X1 approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (July 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 5 of 21

Congrats on the approval!

Message 6 of 21

Congrats on the X1 ..Ya, little disappointing on the "4 - 5 times other credit limits"

I personally think they dished a lot out at the beginning for "hype" JMO

Message 7 of 21

Grats on your X1 approval

Message 8 of 21

Congrats on your approval!

AMEX Hilton Honors Surpass | $20,000

BoA Premium Rewards | $37,500

BoA Customized Cash Rewards | $6,000

Chase Sapphire Preferred | $14,500

Chase Freedom Unlimited | $16,600

Chase Freedom Flex | $12,400

Chase Freedom | $500

Chase Amazon Prime Rewards | $22,100

Discover It | $15,500

PNC Points | $12,500

PSECU Alumni Rewards | $25,000

Best Buy Visa | $3,250

Google | $2,700

Wolf Furniture | $8,500

Target RedCard Debit

Message 9 of 21

Congrats on the X1, many (myself included) would consider that a sweet SL

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

Amex Gold │ NPSL │ $20,000 POT

Amex Blue Business Plus │ $25,000

Amex Hilton Honors Business │ $10,000

Amex Hilton Honors Aspire │ $25,000

Amex Hilton Honors Surpass │ $15,000

Amex Blue Cash Preferred │ $25,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $27,800 │ 5% selectable rotator

Citi Custom Cash MC │ $15,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Discover IT │ $11,000 │ 5% rotator

GS Apple MC │ $26,000

TD Bank Target Red Card │ $2,500

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

Message 10 of 21