Contact X1 Card Support

by MCWillieB

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.

by Baroxxi

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.

by Pick3pro

I’m expecting my credit score to take a big hit next month. X1 issued me an account with a 18K limit and a 30% APR about 8 months ago. I applied and excepted the card only to boost my credit score by having more available credit. I had no plans to use the card except for an emergency because of an interest rate bordering on usery. It’s definitely exploitation but that’s how the game goes sometimes. I’ve only charged around $300 total in 8 months and have never carried a balance. They lowered my limit to 7K and sent me an email saying if I start using the card they would consider raising it again. Losing that much available Credit is going to cause my credit score to take a pretty big hit. I regret applying for this card and I will probably end up canceling the card all together out of principle. I personally recommend Apply for the Apple Card or another Goldman Sachs issued credit card. Wells Fargo is also aggressively issuing credit. They are much better alternatives than this company.