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X1 Card Approval

Wavester64
Valued Contributor

Re: X1 Card Approval


@thewally wrote:

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. 🤔





Potential Future Cards
Message 21 of 35
4sallypat
Established Contributor

Re: X1 Card Approval


@thewally wrote:

@4sallypat wrote:

Smiley Surprised

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:

Screenshot 2021-10-12 at 11.26.56 AM.png

 

Message 22 of 35
Ah-Chew228
Valued Member

Re: X1 Card Approval

Congratulations! That is a great CL! I'm still in the waiting list. 

Message 23 of 35
NRB525
Super Contributor

Re: X1 Card Approval

Congrats! 
I'm at 125k ... could be a long wait Smiley Happy

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 24 of 35
Tropical14048
New Visitor

Re: X1 Card Approval

Can you tell me please how can I apply for the card. 


 

Message 25 of 35
4sallypat
Established Contributor

Re: X1 Card Approval

You will have to put yourself on their waitlist.

 

I was 65,000 on the list....Smiley Wink

Message 26 of 35
justjac2
Contributor

Re: X1 Card Approval

Congrats on your approval!  I've been on the waitlist just over a year and my spot is 75,600. 



Ch13 filed Jun 2013, discharged July 2018.
1/1/2021 FICO 8 scores: EQ 751, TU 770, EX 746
Newest account: HM Bradley, Oct 2021.
Goal card: Elan Max Cash, Jan 2023
Message 27 of 35
ChargedUp
Valued Contributor

Re: X1 Card Approval

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...scratch.gif

AODFCU 3% Visa ($10K), Amex PRG (NPSL), Amex Blue Cash ($27K), Amex Simply Cash+ ($4K), Amex Business Cash ($22.5K), Discover ($29.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase F Visa Sig ($8.3K), Chase CSP Visa Sig($6.5K), FCB/Elan Rewards Visa Sig($15K), Buckle ($1.3K), BofA AAA Rewards ($84.5K), Paypal credit ($10K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($13K), PenFed PCR ($3500), Bank of the West CB MC ($3K), PNC Cash Rewards ($14K), NASAFCU Rewards Visa ($20K), BOC/Elan Max Cash MC ($25K), BoA Business Customized Cash Rewards MC ($8k)
Message 28 of 35
thewally
Valued Member

Re: X1 Card Approval


@Tropical14048 wrote:

Can you tell me please how can I apply for the card. 


 


You have to joint the wait list at the moment.  www.x1creditcard.com

Message 29 of 35
Titans84
Frequent Contributor

Re: X1 Card Approval

Congrats on your XL approval!

Current FICO 8:




Message 30 of 35
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