X1 CLD

[M_Smart007]

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@lgtwriter wrote:

They haven't cut my 29k limit yet. I have only put $1500 or so on the card since I got it late last fall. FNBO cut me from 15k to 500 last month for not using the Getaway card, so I won't be surprised if this card's limit gets cut. I am watching my Aspiration card carefully for similar cuts. My era of getting a momentary thrill of getting large lines and then never using those lines is over lol 

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@lgtwriter, Read some unhappy X1 campers postings on the webz ...

Thanks for the reminder on Aspiration Zero ..I need to plant some 🌲🌲🌲

I will tag @You if they slash. FYI, I have not seen any evidence of them CLD'ing.

(Click image to enlarge)

[cashorcharge]

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@M_Smart007 wrote:

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@lgtwriter wrote:

They haven't cut my 29k limit yet. I have only put $1500 or so on the card since I got it late last fall. FNBO cut me from 15k to 500 last month for not using the Getaway card, so I won't be surprised if this card's limit gets cut. I am watching my Aspiration card carefully for similar cuts. My era of getting a momentary thrill of getting large lines and then never using those lines is over lol 

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@lgtwriter, Read some unhappy X1 campers postings on the webz ...

Thanks for the reminder on Aspiration Zero ..I need to plant some 🌲🌲🌲

I will tag @You if they slash. FYI, I have not seen any evidence of them CLD'ing.

(Click image to enlarge)

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Just your 2 cents.....

I couldn't resist...

[Remedios]

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@MT64 wrote:

Well that's certainly discouraging. What's the point of boasting about 3-5X SL if they're only going to slash it in half almost immediately after opening...

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I guess they thought people would use cards they apply for 🤔? 

[Kforce]

When someone offers you something “for free,” they expects something in return.

[Jnbmom]

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@M_Smart007 wrote:

Sorry for your CLD, now we know the "catch 22" to this card.

@Jnbmom, The odd's probably worked ever in your favor

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@M_Smart007  Yes very glad my approval was halted 😂

[NoMoreE46]

Thanks for your post @KK44.

Bummer about that CLD.

[RootDet]

X1 has not done this to me, and I don't use much of my high limit, like a few hundred dollars a month maybe. But I committed the last time a CLD happened that I will not ever try and rekindle the relationship. So if X1 smacks me with a CLD, I will close the card entirely. No bank will hold that kind of power over me. 

[jesseewiak]

Well, hopefully, I don't get nailed on this - I've pushed through appx. $6,000 in the 4 1/2 months or so since I've got the card w/ a $23.5k limit. 

[OmarGB9]

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@jesseewiak wrote:

Well, hopefully, I don't get nailed on this - I've pushed through appx. $6,000 in the 4 1/2 months or so since I've got the card w/ a $23.5k limit. 

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$6000 total in 4.5 months? That's only ~$1333/mo average. That's only 5.67% utilization.

[MachoHombre]

Thanks for the heads-up.  I didn't realize this was happening to many.   

 I put about $15.69 a month average, with some months no swipes  ....on my $43.5 limit.   

,,,,,So I am confident my days are numbered before a CLD hits.    When it happens, not sure what my action will be.    I do like the easy virtual card offering of this card ....but I also don't know if I'll partner with a financial institution that cuts my credit line, so I may just politely say bye bye.   

Thanks again.