Leave a Review X1 Card
Racking Up Too Many Points? They’ll CLOSE Your Account
They will absolutely close your account if they get jealous of you making lots of points. To the person that said “this is the Apple of cards”…? I don’t think so buddy. Apple, or any other ecosystem/service provider for that matter, will NEVER intrude into peoples personal lives. They don’t have to! They have better things to do. But not X1 my friend. X1 will ABSOLUTELY monitor, intrude, and JUDGE you, and SEEK a reason to pick on you… close your account, and then tell you it was part of the T&C…. specifically if you’ve done some great work around points haha :) and they will find that reason to close your account, and get it done within hours. I have witnesses, friends, and a good handful of examples. Oh and also their employees will lurk you on LinkedIn and other social media…. Their defense is that they can use any means to look up someone’s card activity usage. Say GOODBYE to Privacy with X1 card :)) P.S. don’t even get into this mess. Go with Sapphire, AMEX Gold, Apple Card… ANYTHING….. but this privacy intrusion bank. Thank me later.Show lessbaroxxi
Stay away if you need it to reliably work
I used to LOVE the convenience and functionality of the X1 card. Especially the ability to super easily create virtual and temporary card numbers in the app. I attached many important services and subscriptions to this card.
Then my experience changed. I woke up to my charges getting declined. I went to the app to see what could be wrong. “Your account is on hold. You must provide additional security information”. No text message asking me to confirm a recent charge, no phone call about a security concern. Just 100% shut down of all my card numbers and account.
I did the extra security measures in the app. Take a photo of drivers license. Do a 3D scan of my face.
In my view, it is not acceptable to block my entire account to ask for these things. If they needed them to be in my account or updated every year, etc, they should have asked in advance vs locking my account.
I complete the extra security steps. But instead of releasing the hold like the original app message said it would, it now says, your account is still on hold and “under review”.
So, no other options to get my account unblocked. I think, ok, I’ll just call the number on the back of my card and get it sorted out. But guess what? No customer support phone number on the back of the card. In fact, no support number anywhere on the website or app. Only text or email support.
So I text. And convey the urgency of unblocking my card. And no response.Show lessMCWillieB
Avoid
Vlad Tenev now owns X1. Vlad, the guy who owns Robinhood, the beginners guide type of app into tje stock market. The guy who loves Payment for Order Flow and to make money off of you buying a share, and him giving you an IOU for that share until the price drops and he buys the share for cheap while pocketing the difference. (Theory is that they never even buy the share and pocket your money from the start). Vlad is not to be trusted and has tainted the free and fair stock market, thanks to Apex Clearing, late January of 2021. Huge rabbit hole, but in the end, Vlad is a criminal and the most recent email X1 sent out and the alarming confirmation by customer service representatives means this acquisition is real, and scary.
I signed up for the X1 card waiting list YEARS ago, and I have used the card ever since approval and loved the boosts and how quick the point redemption program was and now I’m not going to use it and X1 means nothing to me. See ya.Show lessTheLocale