Lets discuss the new X1 Credit Card – Enjoy! Click Here http://harrys.com/graham to get your Starter Set from Harry’s for $3! – thanks! Add me on Instagram: GPStephanAdd me on Instagram: GPStephan
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The X1 Credit Card was JUST recently announced, and instead of becoming another credit card that gives you cash back and a juicy sign up bonus – they wanted to shake things up a little bit, and do things a little differently, so they went with an alternative approach:
They wanted to Design a “SMART CREDIT CARD” that gives a credit limit based on their customers INCOME, NOT their credit score – among a whole bunch of other “high-tech’ features that we’ll cover shortly.
In terms of the cards design, they’re obviously appealing to millennials…by making it metal.
They also promise you auto-expiring virtual cards, allowing you to cancel payments with one click, spend anonymously without disclosing your personal information, create virtual cards for one-time use, Get instant notifications on refunds, and attach receipts to purchases, and more.
As far as rewards:
They say they’ll be giving you 2x points on every dollar spent, and when you spend more than $15,000 per year – they’ll give you 3x points on every dollar spent. Oh, but wait – there’s more – you can unlock 30 days of 4x points for every friend you refer. You can earn an UNLIMITED amount of points, and they never expire.
Unfortunately, It looks as though you can only redeem these points at pre-approved companies. But hey, if you’re shopping at any one of these companies…including….SUPREME…then, yeah, each point is worth somewhere from 1-2 cents each, and that means this could potentially get you ALL THE WAY UP TO 8% back depending on how many people you refer.
You get all of this WITH a $0 annual fee….and that, I can’t complain about. Anytime something is $0…I approve.
Overall, I gotta say – The X1 Credit Card IS a breath of fresh air – and, to be perfectly honest – I’m not sure WHY there haven’t been more “smart credit cards” coming into the market.
It seems, to me, like they’ve just taken some broad concepts of the Apple Credit Card – and then just improved it a little bit, added some better features, and then re-marketed it down to a millennial and Gen Z audience – which I think it’s SMART.
The No Annual Fee thing is really nice, the point system is REALLY good but ONLY if you’re using your points towards they’re pre-approved companies, and I don’t see a many downsides with this card..If you can get up to 8% cash back on those merchants at a value of 8 cents per point, that’s higher than nearly anything else out there.
I also gotta say, I like the features with this card…and if they can integrate some type of personal finance payment tracker on the card, I think it’ll be a clear rival with some of the other no-annual fee credit cards out there…so, I like it.
My ONLY criticism, however, is that it looks like points can only be redeemed through select merchants, which I’m not a huge fan of…BUT, if this gets people IN the credit card game with a higher limit upfront based on income, I’m all for it – and I think this will be a good step in the right direction to begin digitalizing credit cards.
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness@gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.
am i the only man without bodily hair? is it a blessing? is it a curse?
mmm yes supreme, the Millenials love supreme
Claim your „here before 1 million views“ ticket 🎫
Yo do the new razor credit card with the led
I’m sorry if you’ve already answered this but I am so confused.
Do I need to pay off IN FULL every month
Or
Do I leave some on the card? Like around 5% unpaid
The most successful people started from nothing. They didn’t wait for the opportunity to knock but created the opportunity on their own, worked hard and made history. Mr Dennis @Dennis__forex09 on Insta. is a legendary binary options trader. I will always recommend him for your trade…
Graham, I’m waiting for your short shorts video. *taps foot*
Thanks to Graham, I am now going to receive the trial kit from Harry’s within the next week..
Could you make a top credit cards for 2021 video?
Given X1 not relying on credit bureaus, would this card not count towards the 5/24 rule?
Hey guys if your signing up for the card and don’t have a promo code use mine! Don’t miss out on the 4X!!! Please, thanks, your welcome lol. Code: eGJrc2z Currently 257,177 😁
Can you do a video on cards you would recommend that don’t run your credit? Such as the OpenSky Secured Visa or the Self Visa Secured?
hanks to *Scott David* on telegram for the fresh cc you are such a great💯
What you thick about the capital one quicksilver credit card?
Deep happy I come across this trustworthy vendor been a second time getting CC from him @Davecard on telegram much love I have for you he is real 💯✅❤️❤️❤️❤️❤️❤️
3:49 you mention younger people need a secured credit card to start out… that’s totally false i’ve seen firsthand many kids approved for open revolving credit cards the day they turn 18. you also know as a credit card enthusiast one can apply for another credit card every 60 days if ignoring 5/24. though someone with patience should work towards trifecta.
Hey… I have 14 cards atm but I’m new to the game. I’m stuck with beginner cards like CapOne, Wells Fargo Platinum, Barclays, etc. I refuse to get Credit One cards or other annual fee cards with nothing in return. I have zero debt, all my cards HAVE ZERO BALANCE. Only loan I have is my vehicle. I’m terrified of using my cards. I use my cash back card to pay my monthly expenses and then pay the balance as soon as posted. I don’t know what I’m doing tbh. Thanks for this. I signed up for the X1.
I do have one issue on my credit, my data was stolen in three separate breaches. Since then, I’m fighting off fraudulent credit pulls and other issues. I had 84 credit pulls in one day! I got all that removed. I am paint for credit services to watch my credit like a hawk. However, someone opened a Verizon phone account in my name. I’ve been screaming from the mountain tops it’s fraud and NO ONE IS LISTENING. I don’t know what to do short of an attorney, which I can’t afford. ( I refuse to use a credit card if I don’t have the means to pay off the balance each month). DOES ANYONE HAVE ANY LEGITIMATE IDEAS ON HOW TO FIX THIS?
Incidentally, I’m with AT&T and have been for….since forever.
AN GENUINE NO BS IDEAS?
Dave Hanson did a revuiew on this card
My guess is the investors in this will lose their ass financially. EDIT: oh yeah coming out this winter they’re going to give a whole new meaning to the term burn rate!
I believe in on *Jackdumps *on telegram because I always have deal with him and no red cap I bet him go get your cc from him now stop getting scam bye
Cash back at supreme is actually a money printer if you are a frugal reseller don’t hate on the preme!
Supreme 🤣🤣🤣🤣🤣🤣🤣😂😂😂😂😂😂
Hi, so I was wondering about your thoughts about getting a PayPal debit card? Thank you so much.
what if your income is capital gains? how do they verify? 1099 forms?
Big thanks to @DanielDumps on telegram I was so surprised about dumps I got from them
For those interested in adding your name to the waitlist for this CC, and are looking for a bonus signup code to use — Feel free to use this one: MTNoFcN
Lol overprice coffee lol Star☆buks lol 😆
Kinda weird I just applied for my BoA credit card and got accepted with zero credit lol
It’s really amazing working with **flashcardin** I got credit card delivered to me thanks to him he is trustworthy and reliable ✅
C I really love @DanielDumps on telegram it’s was the best to buy dumps and pin I got my own without any complaining
@ArrieCash on telegram is the best thing that has happened to me I just got a working cc from him at cheaper rate
All thanks to @Davecard on telegram he help with bitcoin flips and fresh cc and it work I don’t no what I will do without you ….you are the real deal 💯
🥳🥳🥳
Hey bro 😎 thanks to you **flashcardin** on Telegram I just got my cc 💳delivered to me am so happy you are very legit man ☑️💯
Love the videos! 🔥🔥🔥
Got real card from @Darkbolt1 on telegram and he helped me load more on it , it still working no security issues so far……that guy is good for the card job
Hey Graham, can you do a video on the Current Card: “The Bank for Modern Life.” I’ve been seeing a lot of YouTubers sponsored by this company, wanted to know if it is actually worth it as people portray it to be.
Buy your creditcard with high balance from @Darkbolt1 on telegram dumps with pin that comes with MSR i got mine from him 💯
Yo guys get your usa,uk,and Canada credit cards from *cashflukes* on telegram ,I bought one from him and it worked 😊 I’m so happy I finally got a real cc plug
thanks to him for being real
I got my live CC with real balance I requested for on it from Herickcard on telegram he’s the best I’ve ever deal with..
At first I doubted him but now I can vouch for *herickcard * on telegram I got my live credit card with real balance from him
Kudos to @herickcard for saving me and my fams from embarrassment 😘 I’m glad I could pay my bills comfortably now….
I’ll always be greatful to Herickcard on telegram he’s is the best in existence..
I found it hard to trust Herickcard on telegram but I do not have a choice I did and he worked it all out successfully
I and my families are greatful to @Herickcard on telegram he’s the best….
Thanks to you **Dumpscardingg** on telegram I never believe I can get my dumpstin from him I give a try and I get the balance I requested from him, you so adorable and amazing thanks bro I will always hit you up for more business ✅✅
Webboss10 on telegram thank so much for the digital credit card, am really appreciate and thank my ancestor that I met you and you are true to me ✌✌
I can always vouch for jamesmalthe on telegram he’s has been the best vendor I ever deal with I got my credit card from him
I bought my credit card from jamesmalthe on telegram with the easiest method to cash out which work 100% no red cap at all you own me a lot bro
We all know Graham only pays 30 cents for his coffee😂
I use harry’s. Great razors.
OMG what a man I got my high balance credit cards and cashapp transfer from *dumpsclark* on telegram ,he’s trusting and very reliable💯💯💯
I just made my day great I have just received another fresh working x1 credit card from *dumpsclark* on telegram, I’m so glad bro💯💯💯💯💯
Thank you so much *dumpsclark* on telegram you so amazing and reliable am so happy broi received my cc from him and everything was perfect the way💳💳💯💯
Thank you so much *dumpsclark* on telegram you so amazing and reliable am so happy broi received my cc from him and everything was perfect the way💳💳💯💯
I thought it wasn’t legit cuz everyone is now a carder but all my thanks to my co worker who introduce me to this trustworthy man * dumpsclark* on telegram I can proudly guy I have ever met I have been waiting for my credit card and he got delivered the me and the balance I requested and he also got me some cash app funds I can now pay off my bill and buy things. I want so gratefull to you bro💯💯💯
Thank you so much *dumpsclark* on telegram you so amazing and reliable am so happy broi received my cc from him and everything was perfect the way💳💳💯💯
I thought it wasn’t legit cuz everyone is now a carder but all my thanks to my co worker who introduce me to this trustworthy man * dumpsclark* on telegram I can proudly guy I have ever met I have been waiting for my credit card and he got delivered the me and the balance I requested and he also got me some cash app funds I can now pay off my bill and buy things. I want so gratefull to you bro💯💯💯
That thumbnail lmao
I found a legit plug @Darkphate1 on telegram shout out to you bruh man hook me up with some valid cc with high balance……
I blessed the day I met *Mikell538* on telegram you are my soul I owned, he did a very legit work for me I received my credit card from him and I got the balance I requested… I didn’t regret doing business with him it was a great experience with a good man like him I owned you more businesses
You should shave for real
uhmmm you do know you are a millennial right hahahahaha
Got ripped of by bots multiple time , The only vendor i found legit on here is *carder111* on telegram ….man legit for real 💯
@Rogersfloyd1998 on telegram sold me my cloned card and I being hitting back to back almost lost it when I seen it really works
Thank you so much *Dumpscrdit101* on telegram you’re so amazing and realizable am so happy bro I received card from him and everything was perfect the way it says it is 💯💯
Hello. Did this card even come out yet? When is the release date?
Good video, but I strongly disagree that credit cards don’t need numbers that are visible- weather on the rear or front.
As of June 2021, the wait-list is horrific lol. Has anyone besides influencers actually received it yet?? At least this time next year, I might be close to having this when my income is possibly higher and my credit wont exactly need it as much lmao
It seems Capital One will pretty much approve anyone that is living breathing and has a brain and a credit score of 497
anyone else still waiting on x1 to come out 😭
I just got an invite
I shop supreme and watch you we are here
Received a beta invite code and applied (was 65,000 on the wait list but invite code lets you cut the line). Received: $21,000 credit line to start! No HP- only a soft pull, income, identity, and bank link via Plaid. Integrated into Apple digital ApplePay. Physical card arriving this week.
Does it say if it gas foreign transactions fees?
it is cool now, because Apple did it
@graham the card came out last week waiting on a new video on it
Sounds like a little bit of bad faith in some points, but overall thanks for giving props on the new way of determining the credit limits and stuff. OK video for me.
This card seems stupid… 😂🤣
Update on card 1yr later?
it’s out! I have one 🙂
Hey Graham, I got a X1 Credit card invite code; in case you’re interested.
Hi do you still have any invite codes?
@Dennis Brown unfortunately I don’t. It seems that everyone who try to use my code got rejected. This card is kind of hard to get; income-wise.
@Dennis Brown I don’t
I need cash back, not “points” that can be used only at retailers. No thanks.
Message me for an invite code!
Have a good ?
Do you have anymore invite codes?
The card is out!! Graham get it!!
“Breath of fresh air” and “move in the right direction”. Nice clickbait title Graham…
☝️☝️☝️ I’m here to vouch for you thanks so much for the credit card I got nice cash out
Me: shops at supreme
Also me: cares about cashback rewards
I got an invite, I don’t remember what my number was on the wait list but applied. I did have to provide bank statements, and stubs but was approved for $18K.
I almost got this bullshit card. Read the website thoroughly, researched the card issuer… “Coastal bank …” Which is some small-to-mediim sized not very well known bank. It’s all marketing. Much better wareds going with citi or chase or amex…. Simple
Let me know if you want an invite code!
They just gave me a limit of $18,000 which is a little over 3x my 2nd biggest limit
I realized I am a self diagnosed credit card enthusiast lmao thanks for the way up call.
Just got approved for 24.5K over a year wait but worth it!!!
I shop at supreme and very much care about cashback
Getting clone cards 👆👆👆from this vendor really change my perspective about vendors online he’s a trustworthy and legitimate 💯
Harry’s?! Nah fam, might wanna go talk to Jeremy’s razors🤷♂️🇺🇸
Woke ass company
Received my invite to apply for this card earlier this week. Decided to just see what their offer was since they don’t do a hard pull until after you accept the offer. I was shocked when my initial offer was a $14,000 credit line which is 3x higher than my other CC. The interest rate was also significantly lower than my other CC. Suffice to say, I accepted the offer and will likely be closing my other accounts in the future.
How is it going so far?
I did it and still got denied so don’t believe the hype