X1 alternative? since they haven't allowed credit limit increase

[Times]

So I was a big fan of X1, offer before hardpull, great starting limit, nice card, etc

But they haven't allowed a credit limit increase for like a year since launch. I've outgrown this card. 

What is an alternative that show offer before hardpull, give good starting limits but also allow growth(credit limit increase)?

[CreditCuriosity]

CU likely your best bet although they will not show limit by a SP and give you all that great stuff.  If your scores/income/profile supports it you can get monster limits with a CU card or any bank for that matter, just not on your terms.

[Horseshoez]

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@Times wrote:

So I was a big fan of X1, offer before hardpull, great starting limit, nice card, etc

But they haven't allowed a credit limit increase for like a year since launch. I've outgrown this card. 

What is an alternative that show offer before hardpull, give good starting limits but also allow growth(credit limit increase)?

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I don't understand "I've outgrown this card."  Are you saying you need more credit because you are bumping up against the limit of your X1 card on a regular basis?

[Lou-natic]

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@Horseshoez wrote:

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I don't understand "I've outgrown this card."  Are you saying you need more credit because you are bumping up against the limit of your X1 card on a regular basis?

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The OP feels like it was made by someone that has watched too many of those Youtube "credit guide" videos if I'm being honest.

They have a TomoCredit builder card that doesn't even let you carry a balance with only a 6k limit that can according to their website never go above 10k (spending power $100-10,000) yet has "outgrown" an actual credit card with a limit 3x higher than what his limit with them currently is.

[Times]

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@CreditCuriosity wrote:

CU likely your best bet although they will not show limit by a SP and give you all that great stuff.  If your scores/income/profile supports it you can get monster limits with a CU card or any bank for that matter, just not on your terms.

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thanks, curious what data points you think were required to get that NFCU Platinum 50k you got?

@Horseshoez wrote:

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@Times wrote:

So I was a big fan of X1, offer before hardpull, great starting limit, nice card, etc

But they haven't allowed a credit limit increase for like a year since launch. I've outgrown this card. 

What is an alternative that show offer before hardpull, give good starting limits but also allow growth(credit limit increase)?

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I don't understand "I've outgrown this card."  Are you saying you need more credit because you are bumping up against the limit of your X1 card on a regular basis?

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yeah, when I get close to the limit, my credit score drops and more importantly my main goal is 6 figs in limit and X1 doesn't seem to have ways to grow/increase. So gotta keep it moving. 

Hope someone can post a good alternative that show limit before hard pull

[MT64]

yeah, when I get close to the limit, my credit score drops

I'm guessing with that, you're allowing a balance to report near the $18k? If so, there's most likely no way they're going to ever give you a CLI with high balances being reported.. Out of curisoity, what have their reasons been for denial? Either way, X1 seems to have scaled back a lot by the dozens of threads mentioning CLDs already so maybe they're a done deal indeed but seeing as how it's your 2nd highest card, saying you've outgrown it seems odd.

I've seen a lot of high $50k CCs with those in the 840-850 range but I can't recall ever seeing someone here having a card in the $100k range, though I'm sure they exist. That sounds like a line of credit / loan type of goal material to me but I'm just a tiny fish in the land of whales.

[ptatohed]

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@MT64 wrote:

yeah, when I get close to the limit, my credit score drops

I'm guessing with that, you're allowing a balance to report near the $18k? If so, there's most likely no way they're going to ever give you a CLI with high balances being reported.. Out of curisoity, what have their reasons been for denial? Either way, X1 seems to have scaled back a lot by the dozens of threads mentioning CLDs already so maybe they're a done deal indeed but seeing as how it's your 2nd highest card, saying you've outgrown it seems odd.

I've seen a lot of high $50k CCs with those in the 840-850 range but I can't recall ever seeing someone here having a card in the $100k range, though I'm sure they exist. That sounds like a line of credit / loan type of goal material to me but I'm just a tiny fish in the land of whales.

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I assumed when OP mentioned a 6-fig credit limit, they meant the aggregate amongst all their cards.  ?  I too don't understand the outgrown comment.  

[CYBERSAM]

With X1 you can pay your balance biweekly. You may want to activate that!

As far as "6 figs" limits, I know that is common for business CCs but not so much for personal cards! And if you are a baller and need put up "6 figs" monthly on a personal CC, then you may want to go with AMEX Charge cards. There is no logic to carry that much balance to the next month with very high interest rate on any credit card!

[Anonymous]

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@ptatohed wrote:

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I assumed when OP mentioned a 6-fig credit limit, they meant the aggregate amongst all their cards.  ?  I too don't understand the outgrown comment.  

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This used to (and continues to) bug me since I joined MyFico, the concept that each and every card needs to "grow".   While there is some advantage in keeping util low, assuming you can PIF, it's like AZEO, the times that it is important you can just pay early.   So for example, those rotators with $1500 per quarter for 5% (or $2K for Cash+), or BCP with a $6K + streaming annual,  a $20-30K limit isn't really necessary, but you wouldn't guess that from this forum!

[Aim_High]

Here are a couple of posts that might be helpful to find cards like you describe, @Times 

• "Preapproval Offer" Thread from 03/2022 (see message #2)  

• "List of Soft Pull Pre-Qualification Cards" Thread

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@CYBERSAM wrote:

 ... And if you are a baller and need put up "6 figs" monthly on a personal CC, then you may want to go with AMEX Charge cards.

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I also noted that two of your goal cards are the AMEX Platinum and Gold cards, so I agree with @CYBERSAM.  With a FICO in the high 700's and an existing relationship via your Amazon card, an approval on one or both of these should be a soft pull and easy approval.  AMEX charge cards would give you a quick way to high spending limits via the NPSL after establishing a spend-and-pay pattern on the card in the first few months.  It would be much much easier than getting cards in the high five-figure or six-figure range given that your highest existing limits are now $34K and $18K.