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whats up guys its graham here so okay fine i get it you guys have been sending me so many comments dms emails and even more comments asking me to review the smart x1 credit card so if this finally makes everyone happy then sure were going to talk about it and i will give you my honest thoughts about what i think of this credit card and whether or not its a stroke of genius thats going to change the way credit cards are built or if its just another overly hyped credit card that under delivers on its promise to be the future of credit cards and in the event youre new to this channel first of all welcome and my name is graham stefan and i am a self-diagnosed credit card enthusiast symptoms include having more than 10 credit cards constantly signing up for new credit cards because you want the sign up bonus for free stuff and then spending hours creating a video like this one because you enjoy talking about credit cards so much although chances are if you made it this far in the vid