The startup believes the credit score system is outdated and doesn’t reflect your creditworthiness. That’s why it doesn’t use it to calculate limits. Your credit score still affects your variable APR (from 12.9% to 19.9%), but that’s it.

https://techcrunch.com/2021/01/14/x1-card-raises-12-million-for-its-credit-card-with-limits-based-on-your-income/