X1 Credit Card Myfico - X1 application, without bank verification.

At the time of application she was showing as 2/6, 2/12 and 6/24. It's been there for a while but they have apparently thought about it enough to put that message there so give it time. 18 inch bathroom vanity home depot I received my invitation today for the X1 Credit Card!! They did a soft pull first to pre-qualify me and then verified my bank information. The best credit card after bankruptcy is the OpenSky® Plus Secured Visa® Credit Card because there’s no credit check when you apply, which makes it easy to get. If your score is in the good range, from 670 to 739, you have an. Today’s Citi is a major credit card issuer, with more than 54 million cardholders around the world. 5K This month's MyFico report got updated today and I see it show up for all three CRA's but EQ and TU have it as 32. X1 Card is issued by Coastal Community Bank, Member FDIC, pursuant to license from Visa U. You can get approved even with a lower credit score. My goal in having a less desirable higher limit card is to have it reported so it's easier to get more desirable higher limit cards later. Re: Credit one credit card first ever card. I requested an invite code about 4 months ago never expecting to actually get an invite. You can view your credit card balance online on the card issuer’s website, on phone or email through a text message, or on an automated teller machine, according to Investopedia. It's really nice to order delivery food, subscriptions, etc. I'm excited I got a metal card!! I got the invite Dec. $100 for baggage delay each day, up to …. I linked (via plaid) one bank account. PenFed Platinum Rewards VISA Signature Approved $6 by 99BMWM3 on ‎04-12-2024 11:15 AM Latest post on ‎04-12-2024 12:23 PM by Creditwiser. Visa Signature go rewards: $9600 to 13,600. Without knowing more about your profile (including FICO scores), I noticed that you have only 3 cards listed, all from Capital One and with low limits. X1 SP offer was a SL of $21,000 @@ 15%. An X1 card is not a replacement for an …. I signed up for invite back around Jan 22 and got invite a few weeks ago. See Rewards Terms and Conditions for complete rules and restrictions. Valued Contributor Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; BTW, what credit bureau does X1 pull since it did a soft inquiry, it didn't show up last time? Thanks. First I thought do we really want to do this and then I thiught heck ya lets see what happens. The one and only real benefit to me -- and it's not exclusive to this card, just a bit easier to use than with most other cards -- is the very quick "one-time" use card generator. Feb 21, 2022 · Re: X1 Card Payment Source. It had a $100 credit limit, and she wanted to increase that limit so that her utilization ratio would. Some people believe that you should avoid getting a credit card as they generate debt. In today’s digital age, credit card apps have become an essential tool for managing your finances. It will report to all three major U. Earn points on every purchase – $0 annual fee! Apply Now. I thought the 'Default' section was very interesting. Contributor Mark as New; Bookmark; Subscribe; Mute; X1 Card Invite - Update: Approved Finally got the invitation for the X1 card! I am excited to apply but read some stories here about issues verifying accounts and general hesitation to giving them. com • No annual fee • 2x points on all purchases • 3x points if you spend more than $15,000 in a year • Unlimited points • Points don't expire • Create virtual cards for one-time use • Card has a Visa lo. Hello guys, I applied for the business premier from my business relationship manager last week and was approved today. It isn't much compared to others but what suprised me th. mysterious car raise a floppa 2 hacla.org owners portal A score of 720 or higher is generally considered excellent credit. Used a conservative annual pay of $150,000. Got the email this morning and went for it. I have applied for a QVC card before (about a year ago) and it always came back with an immediate denial. Skip Navigation The credit card offers that appear on the website are from credit card companies which myFICO receives compensation. by Red1Blue on ‎03-24-2009 08:28 AM Latest post on ‎03-24-2009 10:14 AM by Anonymous. 3 3% on gas – up to $6,000 annual spend. Looks like a couple of us have gotten our invites recently. Community Leader Senior Contributor. Both my wife and I have had multiple Synchrony credit and store cards. Went through the process, was uneasy about hooking up bank access to them, but whatever. 5K imaginary SL (more on that here) 2. I always look at the "pending points" on my Amex cards, but somehow it is a better experience to see the total increase almost immediately when you make a charge. Also, X1 doesn't so HP if you get denied. Your credit score is a number that represents a snapshot of your credit history that lenders use to help determine how likely you are to repay a loan in the future. My Fico 5 scores as May 14th when I pulled my monthly report are not good. The number I called was 855-842-3593. I am going to the garden for now and will see if I receive any auto-CLIs. delphi murders what happened reddit OpenSky-$400 | Mission Lane- $850 | Jasper- $1000 | NFCU Platinum- $1000 | Merrick- $1100 | Amazon Prime Store $1200 | Aspire MasterCard - $2000 | NFCU Secured- $2000 | Apple Card- $2100 | Amex Delta …. After all, debt is bad right? Well, cancelling your card has some consequences related to your. Discover credit cards are accepted at numerous banks acro. @PointsBonus I have some experience with BOA's Biz card. The first One would not link so I tried another one and it went through. EQ Fico 8 792, Fico 9 816 (NFCU score) TU Fico 8 789. I used the card for internet purchases as you can request a one time credit card number which protects me against fraud and paid it off each month. Business Cards Length of Credit > 40 years; Total Credit Limits >$800K Top Lender TCL - Chase 156. Current TCL @ 70,500 with ExpCS 779. 5% cash back scheme but with a lot of caveats - first, it has a FTF of 1. I remember them saying new applicants would have the $95. When I first got my X1 card on 1/5/2022 they gave me a $29,000 SL. Every single response is that their card hasn't either. com, this can be a good tool to manage subscriptions most effectively. I was surprised i got an invite today i - 6530895 - 3. Soft pulled to qualify and connected to my bank. 2X points on every purchase regardless of category. Around 10% of your credit score is based on your cred. USAA (Jul 2019| Settled CO), Jasper (Jul21-Jul 2022), Sable {Secured} (Jan22-Jun23), CreditOne Platinum (Jul21-Aug23). Re: Approved for X1 credit card. Gave me the option to get card info now and download to my Apple Pay which I did. This card promotes Robinhood Gold in more than just name. Feb 26, 2022 · Get your FICO ® Score for free. The Valero New Card is designed to offer customers more benefits and. But for those who asked for the X1 invite, how long did it take for you to get the - 6459499 - 2. Original Equifax Fico was about or near 790/FICO 8,crap load of inquires and new accounts. Often times different discussion can be on multiple forums depending on the topic. The change won't really affect me since I don't spend > $7,500 a month on the card. This was a shock considering I have had one account for about 6 years and the other for about 6 months. GRID #1 = This list calls out which CRA (credit reporting agency) was pulled for specific states. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. However, I do have a discharged BK that is 6 years old. The OP made a first purchase of $3500 the day after approval. Cards I currently have: BoA Cash Rewards MC: $5K | BoA BankAmericard Platinum Plus MC: $14K | PenFed Platinum Rewards Visa: $11K | USAA Signature Visa: $5. actress in drive time commercial After going back and forth, I was told it cannot be removed and now it's a requirement to have. If you're interested in talking about credit card applications, check out the credit card application board!. The app states that the ability to ask for a CLI is "coming soon"™. The X1 Card, originally unveiled in 2020, promises …. Valued Contributor Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Report Inappropriate Content. Credit Mentor Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Report Inappropriate Content All FICO ® Score products made available on myFICO. 3X points every time you spend $1,000 in a month. It also says 3X restarts in 2 days. Mark as New; Bookmark; Subscribe; Mute; Subscribe to RSS Feed; Permalink; Print; Report Inappropriate Content ‎11-05-2021 10:08 AM ‎11-05-2021 10:08 AM. I was pre-approved for $5,000 which I know is the absolutely bare minimum for a card that's supposed to issue insanely high limits. ” We review the rewards program, rates and fees, perks and benefits that are …. X1 SL $17000 | $13800 Message 1 of 12 15 Kudos Reply. I received my invite two days ago to apply. Sep 12, 2020 · Anyone heard of this? There seems to be a waitlist for it at the moment. But some people have had it for about a year now I think. I have never had or seen a card comp. Re: X1 Card review :) @Creditplz wrote: It doesn't have a bonus but today they emailed me a free 5000 points for my recent spending ! cash back is redeemable at. I remember when I was happy getting a $300 credit limit from Indigo. The FICO ® credit score model is calculated with software from Fair Isaac Corporation (FICO ®) and is used in the majority of lending decisions. bissell 2806 vs 2910 " Ran about $3k/month through this card. Plus, the X1 SP offers a much higher credit limit than Apple's SP. All forum topics; Previous Topic; Next Topic All FICO ® Score products made available on myFICO. 0 credit scores from Equifax and TransUnion. To my surprise they approved me with a $14,000 limit with a 16% APR. I currently have 3 credit cards (Capital one QS ($2300), Capital one Walmart mastercard ($700) and 1 Credit one Amex ($1000)), Capital one auto loan $22,500 (12% apr), and a student loans ($30k). The feature is accessible through Online Banking, the Mobile website, and the Mobile Banking app for iPhone and Android devices. I app'd in the store, and that is what i recommened for you, i feel there is a better chance for the card if you have blemish credit. 1 month in and X1 card is a huge win for me!! I have previously posted about my X1 approval and SL of $29,000 being increased to $40,000 after 2 weeks when I requested it through text support line. As the other poster stated, if you are looking at the larger total limits, the Flagship is 80k, and all others are 50k. Dec 16, 2021 · Credit limits were pretty signficant. Jan 26, 2023 · Thanks for the heads up 😎. Current score: Score: (Mar 3, 2021)from MyFico. " Interesting that 2 accounts in the household, with different people attached to them, were held at the exact same ti. Hi, I applied for a QVC credit card online. I'm not interested in another BlisPay. This question is about Credit Cards @milvionne_copeland • 12/08/22 This answer was first published on 08/22/22 and it was last updated on 12/08/22. it came in at $30,000 SL which is lower - 6542649 - 2. During the application they tried to connect with my banking account using Plaid. If you have an old credit card that you never use, you might be tempted to scrap it. The score, which comes from TransUnion, updates each month. This time I got past the phone number and to the Plaid account lin. tell me what you want from me r&b There's a thread on the top of the X1 subreddit saying they've had the card since Nov and it hasn't reported yet. The Petal 2 Visa Credit Card, issued by WebBank, is the best high-limit credit card for people with average, fair or limited credit -- typically a credit score between 580 and 669. You can also get your credit scores from the three main consumer credit bureaus, though you may be charged a fee. Approved for $27k % APR EX FICO8 744 EX FICO9 780 $141k/yr Lo. One of the first details you should consider when you're ready to pick out a new credit card is the condition of your credit. Kind of viewing this like the CashApp card right now, great to have for specific purchases, but not sure that it's good. Debit cards: Cash app & Target red debit card. Oct 25, 2021 · X1 Credit Card $33K Approval! I have been quite interested in the X1 Credit Card and joined the waitlist maybe a year ago but was over 150,000 on the list. Was a bit suprised i was approved because my Fico took a big hit recently due to utilization. Hey hey! I have read a few posts about Bloomingdales approvals, but nothing that quite fits my situation. 6k card after being told I would need to wait a year and have other accounts. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. We gave a check to the Title company to "mail. X1 Credit Card: $ 27,500 Chase Freedom Flex: $ 3,700 Message 5 of 8 1 Kudo Remedios. Both account have low credit limits, always paid. The X1 card seems to have several features to try to implement "incognito". tl:dr - Re-tried the pre-qualify after previous denial, got directed to dowload the app, did so, put in all my own information, verified my own phone # and email address. Yes! Got mine in the mail yesterday. A few more emails and e-signature documents and I was approved for the bare minimum - $5K at 18%. The latter number is the credit score the issuer uses to manage cardmembers' accounts and is based on data from a …. Hello All :) Current age of credit is 1yr 10 months. I started with the Base Share Savings Account and put $1,000 in it, and I have been making bi-weekly deposits of $40, since it's open date back in March. @Kforce wrote: A few that I know, if no one has a list ! Bucksback (Limited time FNBO 2%) Cashback Visa (Limited time FNBO 2%) Travel Elite Amex (Limited time FNBO) NRA (CO/BR) Ducks (CO/BR) The NRA and TravElite cards are no longer available for new applications. Discover credit card acceptance varies internationally, but merchants in many countries, partic. FICO scores generally range from a low score of 300 to a high of 850. If you're interested in talking about credit card applications, check out the credit card application board! Latest Topic - If you’ve been approved with 10 to 25 Credit inqui. I received approval for the X1 credit card and very dissapointed with the limit. The first 30 days are 4X points and I had …. It's possible to find out whether you're approved with no impact. But I've also been wanting to add the Amazon Prime Rewards cards for my Amazon habit, so I figured before I hit the submit on the X1, I'd app for the Amazon card since Chase can be inquiry sensitive. I'm skeptical how that actually works on most websites. sherburne county jail inmate list One of the first 2% Visas as well when it switched. Here are your best options in 2023. Recently received my invitation for X1 card and went out to the site to apply and review TOS. EX FICO 741 Applied 2/12, Card Shipped 2/15, EX Hard Pull 2/16. Mar 18, 2024 · To calculate the rewards potential of the X1 Card *, Forbes Advisor uses data from various government agencies to determine baseline income and spending averages across various categories. So my account was flagged because they couldn't verify my identify. myFICO, or another type of credit score altogether. I had to get onboard this train. Everything people said was correct as well (soft pull, Plaid, etc. How It Works; Pricing; Education; myFICO® Forums; Types of Credit; Credit Card Approvals; Got The X1; Options. Luckily everything went smoothly and I was approved for $27k! Edit 5/20 - I received the card today and used it. I imagine they have an internal policy for max credit limit given to any one person, regardless of income. After seeing reports of the CLI link back on BoA cards sure enough first time in at least a year or two that I've had the link available on my cards, so i sumultaneasly asked for CLI's on both of my BoA cards. We provide full credit reports, with details about your accounts and inquiries along with any collections and public records. Also, ~30% of my ~$190k/yr inco. (Unless it's being used to redeem at their partners could be much higher). Anyone know what the minimum FICO is required for X1? I know 660 doesn't meet the minimum requirements Seems like 670 might be - 6620472 - 3 myFICO® Forums; Types of Credit; Credit Card Applications; X1 FICO requirements; Options. For all of these reasons, I'm out. Free weekly online credit reports are available from Equifax, Experian and TransUnion. 6k card after being told I would need to - 6459290 - 2. This results in a grand total of 63,240 rewards points annually. myFICO® Forums; Types of Credit; Credit Cards; X1 credit card question; Options. I debated on proceeding because my utilization increased a lot this month and i thought they might declined me for having over 50 percent. Many banks offer credit cards with great benefits for travelers. kinze planter for sale craigslist Re: Curve Card - Still in Betaaccepting applications via invite. Valued Contributor Mark as New;. I came out of the garden and couldn't keep my hands off the application bandwagon. 1/8/22 9/1/22 Message 7 of All FICO ® Score products made available …. Some credit cards offer annual percentage rates that are even lower than this. A great way to save money is to get a better card, one with lower fees. This may sound a bit counter-intuitive; after all, cleaning up your credit profile by getting rid of old or unused credit cards sounds like a. I finally got the invite for X1 card yesterday. They asked them to email bank statements, but on my X1 app it shows they were denied. Didn't receive what you did, but did it quite awhile ago. I think it may be fairly low or if you do get approved, it'll be a low limit card. Received my CL after adding bank account info via Plaid to verify income was approved for $30,000. craigslist personals providence ri D efinitely my highest ever starting limit. A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. As to travel cards I think the Chase Sapphire Preferred and Citi Premier are good all around cards, but there are zillions of travel cards out there, and the answer may depend on the type of travel, airlines, etc. May 2, 2022 · Re: X1 Card Invite Came in!! I received the X1 invitation yesterday to my eager excitement ! But sadly wasn't approved, it didnt make sense because I put a solid income. Please add more if i missed any. FICO® Scores and Credit History. Received an email that I was eligible to apply. I noticed when I check my credit reports through Experian that it only shows the filing date not the - 6481089. Once I logged in, I was surprised it was X1. Data points below for those interested: SL $20,000 17% Scores as of today (FICO 8. We do more than show you your free credit report: we back it up with targeted advice, tools and alerts to help you monitor your credit. They couldn't verify income with NFCU so I sent in the past 2 bank statements. They use EX so that's likely where the SP was done. Chase Cards That Offer Preapproval. The X1 card is a decent card, but there are two things about this card that absolutely bother me: 1. Starting Line of Credit is $28,000. The card gets 3% back on everything, but you need to spend $6,000 $5,000 on it before you break even on the $60 …. Got the invite todayI went through the app and it asked for personal information then went on to ask for incomeWhen I hit submit - 6459245 - 2. I've been recently seeing data points of the X1 card applications being a hard pull. Current Score: EQ 693TU 08 729 EX 08 738Need to …. We'll see how the rewards fair but so far so good with everything else. If you travel, the FSR includes some basic travel protections including rental car CDW, Travel Accident Insurance, and Travel and Emergency Assistance. I like the boosts, they are different than my other cards. Unfortunaly, I was denied and should receive a letter in a few days with more detail. video de marlene benitez twitter only I did have Experian locked I remembered after the fact but not the other two. Dec 9, 2021 · X1 Card Approval -- 2021-12-09 Status and Data Points, for those interested. Are you planning a trip but don’t have a credit card? Don’t worry, booking a hotel without a credit card is still possible. The OpenSky® Plus Secured Visa® Credit Card ’s main approval requirement is that your income must exceed your expenses. This is an attempt to help folks rebuild their credit so that you are NOT denied for "Too Many Inquiries". However, what caught my attention was the fact that the application process was a soft pull instead of a hard pull. So these guys don't like to be used for credit padding. Re: X1 application, without bank verification. I think they post instantly or at least in 2 business days. BOA will still check the credit reports before making a decision to reopen an account. You can now apply and receive a decision instantly. These will disappear in 3 month months and i'll have a 100% clean report. FICO 8 is the most widely used FICO score version across the three credit bureaus — Experian, Equifax and TransUnion. Message 5 of 11 0 Kudos 4sallypat. On Credit Karma, you can get your free VantageScore 3. Starting Score: Low 500's (BK Ch7 Discharged 3/2010) Back in with almost all of the creditors that I burned. Re: MINIMUM SCORES REQUIRED FOR TARGET RED CARD. Oct 29, 2023 · X1 Visa - $27K PenFed Gold Visa - $9K NavyFed Cash Rewards - $5K Care Credit - $20K Walmart Mastercard - $2K Tractor Supply card - $6K Amazon Prime Synchrony Card - $10K Home Depot card - $12K PNC Points - $13K FNBO Evergreen - $2. X1 Card is REAL - thanks to a forum member who invited me to the new fintech card that blew my socks off with a huge $21,000 SL. If you prefer not to receive your FICO® Credit Score just call us at 1-800-DISCOVER (1-800-347-2683). I have a $27,000 Discover card limit. Please refrain from posting multiple threads on the same topic in different forum areas as it is against the myFICO Forums TOS and can lead to confusion by the community. And they look for excellent credit with a history of handing cards with a $5,000 (or better) limit. This benefit is available only for primary cardholders with an open and active consumer credit card account who have a FICO® Score available. X1 holds my payment for 5 to 7 days regardless of amount. 01 per point, this could equate to $632. I received the invitation to apply today as well. 5% back on the purchases above 5K as we have been using our Amex business platinum card as for the last ten months. Chase Freedom Unlimited: $1000 (sock drawer) AMEX Cash Magnet: $3000. AOD Visa Signature | Curve Card | X1 Credit Card | Target REDcard | Navy Federal More Rewards | PenFed Platinum Rewards AMEX: Schwab Platinum | Gold | Green | 3 x Business Platinum | 2 x Business Gold | Blue Business Plus All FICO ® Score products made available on myFICO. One chart displays the changes in your score over time. I was instant approved for $27,500. 2 weeks for the 5000 points to be taken into my account, also I can receive. I suppose it is ironic I just received an email about a Plaid class action settlement. among us unblocked tyrone I started to put more and more of my daily spend on the card and also used a few of the boosts. Scores of 630 to 689 are fair credit. Re: Got the X1 card invite Definitely an SP from Experian. It's probably going to get more people to buy into Robinhood Gold ($60 $50 a year), and help keep some people in Robinhood Gold who might otherwise downgrade. This, in effect, lowers your length of credit history and subsequently, your credit score. The Plaid application did not work with my bank so they asked me to send 2 bank statements to verify my income. amouranth por n rcn internet outage I found my X1 card had pre-loaded ALL the deposit accounts at the bank I used during setup --- my checking, savings and business checking. After only requesting for invite 3 weeks ago I just receive my X1 Card invitation! Is this normal to receive an invite so quickly? I've been looking around on reddit and myfico to see what wait times have been like and it seems like months and sometimes over a year for an invite. Keep in mind doing a BT to pay off the X1 card is impossible. I am preapproved for 5 of the cards at Truist but when I go to apply it says they can't verify me through their digital process. Calculators Helpful Guides Compare Rates Lende. I was pleased that I was approved, especially after all the HPs and credit cards I've acquired in the last 12 months. Credit Karma and Experian both say - 6406308. Waited about 3 hours and applied with her code. Bank of America Cash Rewards Visa Signature: $28K | U. The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options. Select takes a look at the X1 Card, dubbed “the smartest credit card ever made. My Experian bankcard 8 score is 748 so they are just pulling the basic score which I find odd. With no annual fee, it is one of the. Always PIF before statement cut. I spent about $5,500 in a few days. Credit utilization rate is calculated by dividing an account's outstanding balance by its credit limit. Kind of viewing this like the CashApp card right now, great to have for specific purchases, but not sure that it's good enough to be my daily driver. Finally got the invitation for the X1 card! I am excited to apply but read some stories here about issues verifying accounts and - 6584200 - 2. Best card(s) with pre-approval? I know discover, cap one, amex, Gemini, and …. Spend $15k in one year to have all spent points earn 3X (including retroactive purchases), and if you can give out invites you can bump it up to 4X, with 4X and 5X being the top boosts (non-invite, invite active). Re: X1 Card Approval Congratulations on your X1 approval! Current Cards (in order of approval): Current FICO 8 | 9: Credit Age: Inquiries (6/12/24 M): Banks & CUs: Goal Cards:. AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal. 5K, GM Rewards 2K, Apple Card …. Previously any card holder that spent $15,000 per year earned 3X instead of 2X points for the year, and it wa. thurman thomas card value I texted and emailed support and here was their response. I went ahead and got on the wait list back in November. Just trying to see if anyone has seen someone approved with similar data points. full grown aussiechon This is what separates X1 from Apple. Subscribe to RSS Feed; Mark Topic as New; Mark Topic as Read; Float this Topic for Current User. Pre approval (SP) limit was identical to actual approval (HP). I was 65,xxx in the X1 waitlist from last year and (Mod cut - this information cannot be shared via the forums per the TOS @4sallypat) I was able to jump. baddies shows in order FICO 9 (EX) 850 (TU) 850 (EQ) 850. wrote: wrote: wrote: The X1 has a lot going for it but the 0. New Contributor Mark as New; Bookmark; Subscribe; Mute;. Asked for a loan,credit variety,and filled out all. Opportunity Financial Card Company, LLC (OppFi Card) is a wholly owned and operated subsidiary of Opportunity Financial, LLC (OppFi). Aside from the credit line, the virtual card interface is pretty useful- they offer unlimited virtual cards that can be configured as expires in 1 day, expires after first charge, and limited by dollar amount per month and all full cancelable at any time. If we could freeze one bureau and convince the card issuer to manually pull the …. FNBO Evergreen Rewards Signature Visa Card: $10,000. Currently (ignoring anything else and the facts below) you have a $2000/$2000 DUR. myFICO® Forums; Types of Credit; Credit Card Approvals; X1 CC Approval Data Points; Options. Applied for a card with Elan this morning through my long time bank. An excellent card is the Affinity Cash Rewards. I was 65,xxx on the waitlist so the invite code is quite valuable. The X1 Card, originally unveiled in 2020, promises smart technology, an unparalleled rewards program, higher limits, lower …. 21ft boat for sale (Update: Took 50 Days!) X1 Balance transfer to Navy, taking their time. Too many recently opened credit cards and insufficient income for amount requestedWhat's funny is the process never linked up my . Does anyone know what their requirement is? I was recommended in the forum to apply due to my income,. While you don't have to have a personal or Biz checking account, it definitely can help as I applied (out of the many times I've tried) and the only reason they didn't. I was on the list and got the email in December. Subscribe to RSS Feed; All FICO ® Score products made available on myFICO. Nov 26, 2021 · Re: X1 Visa Card Approval.