While it's still in Beta my invite came through today. The application process was super easy, started with entering name, address and SSN, then asked about income and finally used Plaid to verify income by looking at the direct deposit. My primary bank doesn't work with Plaid when 2FA is turned on so I used a checking account that I just have around that gets $100 per pay period. Apparently that was good enough for a $29,000 starting line.
The application advises that it's a soft pull and even though I've been approved I haven't seen any hard pull notifications come through.
I was instantly able to add it to ApplePay on my phone and watch. They informed me that their "17 gram" card will arrive on Friday.
I'll update after some usage, but so far the process seems pretty slick.
Congrats! Wow, I forgot about this one. I think I put myself on the waiting list for this one, if I recall. 🤔
I had forgotten about this card - I signed up last year and was at number 65,xxx wait listed..
OP what was your waitlist number ?
I don't recall but I believe it was something like 17,000
A big thank you and shoutout to @thewally for the invite!
Will report back on Friday with the X1 Card SL:
I'm at 125k ... could be a long wait
Congrats on your approval! I've been on the waitlist just over a year and my spot is 75,600.
Congrats on the massive SL!
Interesting note: This card is backed by Coastal Community Bank in Washington, while their own in-house cards are backed by TCM...