X1 approval

[Metalcards]

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

[AverageJoesCredit]

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@Metalcards wrote:

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

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Wait, thought you gave up on this?

[Mad12345]

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@Metalcards wrote:

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

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I got a hard pull on Experian two days after my approval. I don't know which FICO version they used.

[sghosh5]

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@Metalcards wrote:

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

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what card is this? what are the benefits of this card?

[MattyIce]

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@sghosh5 wrote:

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@Metalcards wrote:

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

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what card is this? what are the benefits of this card?

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A metal card without traditional approval requirements, with many reports of the card not working, randomly being closed, etc.  Think of it as a Fyre Fest Credit Card

[sghosh5]

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@MattyIce wrote:

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@sghosh5 wrote:

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@Metalcards wrote:

Applied last night. Approved for 27k - 18% apr.  No hard pull anywhere yet...

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what card is this? what are the benefits of this card?

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A metal card without traditional approval requirements, with many reports of the card not working, randomly being closed, etc.  Think of it as a Fyre Fest Credit Card

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lol ok then i m good not having it. they keep sending email saying pre approved

[AlanGJP]

Congrats!! I love my X1 card.

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A metal card without traditional approval requirements, with many reports of the card not working, randomly being closed, etc.  Think of it as a Fyre Fest Credit Card

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Are you thinking of the M1 card? (Easy to confuse them and I've seen reports regarding charge denials, etc with the M1) I have both. So far, ZERO issues with my X1 and I absolutely love the card and the multipliers. (5X with referrals) I've been using it this month to pay for anything non-business related and it's been great. Outside of the occassional lag between charges and them showing up (think 1-6 hours), they have always properly counted my boosts when I was concerned they may not.

Also, you WILL get that HP. Mine came a couple days after approval and on the day the card was mailed out.

Cancellations could be due to the HP and them seeing something they didn't on the SP approval. I haven't seen any complaints regarding random closures myself. Doesn't mean they're not happening, but I haven't seen them.

[Metalcards]

@AverageJoesCredit @I couldn't resist. I am weak.

[Metalcards]

@sghosh5  By invite only, no pre approvals.

[MattyIce]

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@AlanGJP wrote:

Congrats!! I love my X1 card.

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A metal card without traditional approval requirements, with many reports of the card not working, randomly being closed, etc.  Think of it as a Fyre Fest Credit Card

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Are you thinking of the M1 card? (Easy to confuse them and I've seen reports regarding charge denials, etc with the M1) I have both. So far, ZERO issues with my X1 and I absolutely love the card and the multipliers. (5X with referrals) I've been using it this month to pay for anything non-business related and it's been great. Outside of the occassional lag between charges and them showing up (think 1-6 hours), they have always properly counted my boosts when I was concerned they may not.

Also, you WILL get that HP. Mine came a couple days after approval and on the day the card was mailed out.

Cancellations could be due to the HP and them seeing something they didn't on the SP approval. I haven't seen any complaints regarding random closures myself. Doesn't mean they're not happening, but I haven't seen them.

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Nope thinking of X1.  And not speaking from experience.  But based on what I read on Reddit, lots of negative experiences.  Glad you haven't had any issues though.  I considered applying, until I read everything bad about it so I decided to hold off.