X1 Inc was founded in 2017 and is based in San Francisco, CA.

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I have this card and was initially excited about the high credit limit UNTIL it came time to use it.  I needed 8K in car repairs and used the card for the expense.  What I didn't know and what they do not tell you is that once you make a large purchase, they put a hold on your account until you reduce your balance to a certain amount.  This is very deceiving especially since they state that there are no spending limits.  Bottom-line...the high credit limit is useless!

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