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X1 Card Approval & DPs

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Wavester64
Valued Contributor

X1 Card Approval & DPs

If you check other posts of mine in CC and Application sections, you'll see I was interested in the X1 Card, until they changed from SP to HP.

 

So in another section (Auto Finance) I documented that my vehicle which has been on order since August 2021 finally came in and I finalized the loan thru DCU just yesterday. So I am thinking now my score is going to tank when that loan starts to report to the CBs so no CCs for me anytime soon.

 

So what happens this morning? I get the X1 Card invite Smiley LOL After 13 months of hearing nothing since being put on the list.

 

I got to thinking **** it, if approved I could use the extra UTIL now with the AUTO Loan.

 

Went thru the motions (and I gotta say, X1 makes this process painless) and.... 

BOOM: APPROVED for $32,500!

 

Sweet! Smiley Happy

 

Stats before the approval:

FICO 8 Scores: EX: 781 EQ: 798 TU: 784

NEW accounts: 1/6, 3/12, 13/24

INQs : I forget who they pull, but for each CB:

EX: 1/6, 2/12, 4/24

EQ: 0/6, 0/12, 4/24

TU: 1/6, 2/12, 6/24 (Here's hoping they don't pull TU Smiley LOL)

 

Not sure who they pulled for me, because it hasn't happened yet, but I am sure it will by tomorrow.

 

Not sure how much use this one's going to get, but the whole process was fun, and I get a shiny new metal card Smiley Very Happy

 

**EDIT: Just got hit with the EX HP as of this edit (Feb 12). 2-days later, 7-point drop. Oh well Smiley Indifferent

 






Potential Future Cards
Message 1 of 9
8 REPLIES 8
M_Smart007
Legendary Contributor

Re: X1 Card Approval & DPs

Congrats on the Xtra X1 Utilization!  ..(I personally use Macy's and Lowe's for thatSmiley LOLHeart)

Message 2 of 9
gdale6
Moderator Emeritus

Re: X1 Card Approval & DPs

Great SL on the X1, grats on getting it!!!

Message 3 of 9
Reviewers
Established Contributor

Re: X1 Card Approval & DPs

Congrats!

Message 4 of 9
CreditAggie
Community Leader
Super Contributor

Re: X1 Card Approval & DPs

Congratulations on your X1 approval!

Current Cards (in order of approval):

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

Message 5 of 9
CYBERSAM
Senior Contributor

Re: X1 Card Approval & DPs

Congrats on X1 🤑

Welcome to the club 😎







                
Message 6 of 9
cashorcharge
Community Leader
Super Contributor

Re: X1 Card Approval & DPs

WOOHOO!!  Congratulations on your X1 Approval!! 🎉🥂👏

Message 7 of 9
sghosh5
Valued Contributor

Re: X1 Card Approval & DPs


@cashorcharge wrote:

WOOHOO!!  Congratulations on your X1 Approval!! 🎉🥂👏


What company is offering this card? I see i have an invite sitting in my mail but currently i cannot apply for any new accounts due to mortgage reasons. It says it will expire on Feb 17th. What happens if it expires? can you not apply later in the year?




Shell FCU : 5K
Message 8 of 9
Titans84
Valued Contributor

Re: X1 Card Approval & DPs

Congrats on your X1 approval!

Current FICO 8:


Message 9 of 9
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