Monetize Your Good Credit with Our Tradelines Cardholder Program

We’re looking for responsible cardholders with clean payment histories. As long as your credit card has no late payments and is in good standing, you may qualify for our program.

Eligible credit cards commonly include those issued by Chase, Citibank, Bank of America, Discover, PNC, Sears (by Citi), HSBC, and Barclays, as well as other major banks.

To add an authorized user, call the customer service number on the back of your card and ask a representative to add an authorized user to that specific account.

Many banks also allow you to add authorized users through your online banking portal or mobile app, which can take only a few minutes.

In our program, each authorized user typically stays on your account for about two statement cycles. We require that they remain on your card for at least 58 days before they are removed.

The maximum number of authorized users your card can hold at once depends on the issuing bank. We stay within your bank’s limits when assigning clients to your card.

We typically send you new authorized users to add about once a month, depending on how many slots your card has available and current demand.

Each user stays on the card for roughly two months and is removed after they have been reported for at least 58 days.

Most of your time is spent adding and removing authorized users:

• If done by phone, you can expect two separate calls of about 30 minutes each (one to add and one to remove), depending on your bank.
• If your bank allows you to manage authorized users online, the entire process can often be completed in just a few minutes.

Outside of that, there is very little ongoing work required from you.

Yes. Adding authorized users is a long-standing and legal practice. Parents, for example, often add their children as authorized users to help them build credit. Our program uses the same concept, but you are compensated for allowing qualified clients to benefit from your good credit history.

Your earnings are taxable income. All eligible cardholders in our program will receive a Form 1099 summarizing their year-end totals for tax reporting.

Adding an authorized user does not give them permission to use your card. Authorized users in this program do not receive your card number, expiration date, security code, or the ability to request a physical card.

We will never ask you to share your full card number or security details. The authorized user receives the benefit of your payment history reporting to their credit, but they cannot make purchases on your account.

Yes. It is your card, so you will know the names of the authorized users you are adding. Each month we provide a list with the information required to add them to your account.

However, the authorized users will not know your personal identity or be given any direct contact or account access.

Banks allow cardholders to add authorized users at their discretion. However, they are not required to endorse or support third-party programs.

In some cases, banks have closed cards that appear to be used primarily for selling tradelines. If a bank closes a card, your past positive payment history usually remains on your credit file and your score typically stays intact.

Your comfort comes first. If closing a particular card would significantly impact your available credit or buying power, we recommend that you do not enroll that card in the program.

Yes. Our program operates on a month-to-month basis. If you choose to leave the program or remove a specific card, we ask for a 30-day advance notice so we can manage and remove any active authorized users appropriately.

We generally ask cardholders to keep their monthly balances below 15% of the card limit to maintain strong utilization for our clients.

However, we understand that life happens. If you need to make larger purchases (for example, vacations, tuition, or wedding expenses), simply give us 30 days’ notice. We will pause adding new authorized users to that card so you can use your available credit, and you can re-enroll the card when you are ready.

Simply adding authorized users to your card does not directly impact your credit score. It is a standard action that issuers record on your account.

The main factors that affect your score are things like payment history, utilization, and length of credit. For that reason, we recommend you avoid enrolling your primary card or the card with your longest history if you are uncomfortable with any potential changes.

Your earnings depend on the type of cards you enroll (limit, age, bank) and the number of authorized users you add. As a simple example, estimated monthly ranges may look like:

• $5,000 limit — approximately $50 to $70 per month
• $10,000 limit — approximately $100 to $130 per month
• $30,000 limit — approximately $220 to $250 per month
• $50,000 limit — approximately $310 to $360 per month

For a more precise estimate based on your card’s limit, age and available slots, use our earnings calculator here.

Yes. If someone you refer successfully enrolls as a cardholder, you will receive a referral bonus each month they remain active in the program.

Many cardholders with multiple referrals earn an extra couple hundred dollars every pay cycle just from referrals.

After an initial consultation and review of your card details, you can typically start adding authorized users very quickly.

In many cases, cardholders can add their first authorized users within a short period and begin receiving payouts within a few weeks, once those tradelines have posted and been confirmed.

The value of your card in our program depends on several factors, including:

• The issuing bank (for example, major national banks vs. store cards)
• The card’s credit limit
• The age of the account (how many years it has been open)
• Your payment history and current utilization

We combine these factors using our internal pricing formula to determine how much each authorized user slot is worth.

We typically pay cardholders via direct deposit to an account with a major bank (for example, Chase, Citibank, Bank of America, or Wells Fargo).

We confirm which authorized user orders successfully posted toward the end of the following month and issue payments by the end of that month.

Please note: Payment is issued for all authorized users that successfully post, not simply for how many were added.

You will send us a screenshot showing proof that the authorized user was added to your card. Once the tradeline posts to their credit report — typically about 7 days after your statement closing date — we process your payout.

Exact timing can vary slightly by bank and statement date, but most cardholders receive payment shortly after posting is confirmed.