Tradelines

“Piggybacking” your credit is an EASY credit sharing program that allows you to earn extra cash MONTHLY. We reward people for their good credit by with commission for helping someone else try to improve theirs.

This concept has been going on for over 30 years! It’s private and confidential. Only people with credit cards with PERFECT PAYMENT HISTORY and card UTILIZATION UNDER 30% can qualify.

We pay our cardholders a commission for adding our clients as Authorized Users to their eligible credit card(s). The Authorized User NEVER has any access to the card and will NEVER know anything about you.

They don’t know who They are paying strictly for the benefit of having your credit card’s perfect payment history appear on their credit report. This is because, when you add someone to your card as an Authorized User, the credit card company essentially copies and pastes the history and credit limit of your credit card into the account section of their credit report as one line item, so it looks like your card has been in their credit report since you first opened the account.

The effect has an impact to the credit of the authorize User (hence why you will receive commi$ion).

Our cardholders earnings vary depending upon how many cards they have, how old the cards are and what the credit limit is. [Note: Business credit cards do not qualify because they do not report data to the credit bureaus for authorized users.]

Additional Earning Potential: We currently have a program in place where our cardholders can earn referral commissions for sending us potential cardholders (i.e. family members, co-workers or friends). If your referral joins, then the bonus is yours!

See if you qualify to be a part of this underground world of passive income! Leave your email address below and we will send you more information.

Q&A

How Much Money can I make on my cards?

The payout for authorized user spots varies depending upon the issuing bank, length of time the card has been opened, and the credit limit. We run each eligible card through our system to determine what the payout will be. Our clients are interested in credit cards that have AT LEAST 4 months of perfect payment history.

Do I have to share my account number?

No, you will never be asked for that. It is the cardholder that will adding a credit beneficiary as an authorized user, so the the credit beneficiary nor tradeline company will never need your account number. The card is always mailed to the cardholder’s address on file, and the cardholder beneficiary will never know the credit card number, expiration date, CVC code as we will never ask you to submit that level of information. The cardholder beneficiary will NEVER know your name or anything about you. This is simply a business transaction to help increase their credit.

How often will I be paid?

Once monthly at the beginning of each month via direct deposit or check. The amount paid to the cardholder is taxable and each cardholder will receive a 1099 statement at the end of the year with the calendar year’s payouts.

How is my privacy protected?

We protect our cardholders and keep all information confidential.

What are the risks?

Making money off of your good credit and credit cards is super easy, but of course, as it is with any financial benefit, there is a risk. The only risk we have known to our Cardholders is the slight risk that your credit card company figures out that you, the Cardholder is making money from your credit card(s). The credit card company may: 1) leave the account open but place a restriction on your account and you are not able to add anymore users to it.

Over the last several years Wholesale Tradelines has become extremely good at learning the patterns and the Do’s and Don'ts of adding authorized users. Our goal is to stay under the radar, which protects the health of our Cardholders.

We suggest applying for a new credit card when you initially sign up for our program, especially if the you the cardholder is concerned about the possibility of a credit card being closed by the bank. We have a list of recommended cards to get, just ask. In the event that a cardholder’s account should close, you would then have an alternate credit card to use. However, the Cardholder must be comfortable with the risk of the card being closed by the bank.

When a credit card account becomes closed the histories of the account will still be calculated into the credit score. However, your “overall utilization ratio” will be impacted if you are carrying revolving debt on other credit cards and can potentially lead and increase in credit utilization.

Should you find that easy monthly passive income is of more value than not participating in the program, we invite you to leave your contact information so we can connect with you and get all of your questions answered. Replacing a credit card can be easy if you have good credit, but maintaining easy cash flow is not!

Is it legal ?

Yes this process is absolutely legal and is also known as piggybacking. It has been around since banks invented credit cards and allowed the primary cardholder to add authorized users onto his/or her credit.

We stay in full compliance with the law. The amount paid to the cardholder is taxable and each cardholder will receive a 1099 statement at the end of the year with the calendar year’s payouts.

What does it cost to join the program?

Nothing, it is FREE to join. You would need to go through a consultation so we can qualify you first. There will never be any fee’s involved. There are only opportunities to make MORE money with our ever growing referral programs.