 Solution

The cardinal bound for an increasing chain of countable sets is $\boxed{|X|\le {\aleph }_1}$. If $X$ is countable, there is nothing to prove. Otherwise choose $Y\subseteq X$ with $|Y|={\aleph }_1$, and for every $y\in Y$ choose an index $i(y)$ such that $y\in X_{i(y)}$.

For any $i\in I$, its countable $X_i$ cannot contain all of $Y$, so choose $y\in Y\setminus X_i$. Since $I$ is a linear order, comparison of $i$ and $i(y)$ forces $i<i(y)$: the other direction would imply $y\in X_i$. Therefore $X_i\subseteq X_{i(y)}$. The selected family is cofinal among the original sets, andBy infinite cardinal arithmetic, this union of ${\aleph }_1$ countable sets has cardinality at most ${\aleph }_1$. No well-order or cofinality assumption on $I$ was used; a linear increasing union of countable sets has the same bound even for an arbitrary linear index order.