• A Cardholder must have at least one credit card with a perfect payment history (No late payments).
• The credit card must be at least 6 months old, unless the card has an extremely high limit.
• The Cardholder must always maintain a balance of less than 10% on their credit card(s).
• The Cardholder must be able to add someone to their card as an authorized user within 48 hours of email notification that they have a new client.

• Every credit card account must be used regularly, but must always maintain a balance of less than 10% of the available credit card limit. Make small purchases to keep the card active such as gas, dinner, or a movie.
• Once the client has paid for the service, we will email the card holder with the client(s) personal data (Name, SSN, and DOB). The cardholder will then proceed to call the credit card issuing bank and add the client(s) as an authorized user(s) no more than 48 hours later from the initial email.
• Within 7-10 business days, the Issuing Bank will mail a physical credit card directly to the credit card's billing address with the name of the client (Authorized User) and the account number on the front of the card. The Cardholder must email a copy of the credit card with the authorized user name displayed, making certain to remove the 16 digit account number and 4 digit expiration date prior to sending. Verification with each client that the history for your credit card has reported to their credit report is required before payment is made to the Cardholder. In some cases, a photo of the authorized user ( clients name) on the cardholders account will be requested.

The only known risk to our Cardholders is the slight chance that the credit card company figures out that you, the Cardholder, are making money off of your credit card(s) and the credit card company may do one of two things: 1) close the credit card account, or 2) leave it open, but disallow the Cardholder to add any more authorized users to it.

Over the last several years, Certified Tradelines has become increasingly good at learning the trip hazards in the banks' computer systems, and we are extremely good at avoiding them, which tends to keep our Cardholders credit card accounts free from closures or restrictions.

If a Cardholder is worried about the possibility of their credit card being closed by the bank, we suggest that they apply for a new credit card when they sign up for our program. If the card in our program is closed, the Cardholder will then have an alternate credit card to use if they need to, and could potentially begin selling the new card in our program, as well. Nonetheless, you must be comfortable with the risk of your card being closed by the bank.

Our current Cardholders agree that monthly cash flow is more valuable than having that one credit card. While replacing a credit card is easy, the cash you earn from Certified Tradelines is irreplaceable.

1. Citi Bank
2. USAA
3. Bank of America
4. Capital One
5. Chase
6. Barclays
7. Federal Credit Unions
8. T.D Bank
9. HSBC
10. Discover
11. U.S. Bank
12. And many more... contact us to find out more!

According to lawyers familiar with the practice of piggybacking, as well as industry insiders, the act of paying someone to add another person to their existing credit card account is perfectly legal.

If you are interested in becoming a Cardholder, please email us to let us know what cards you own that you would be interested in selling. Our experts owner will contact you directly within 24 hours.

We guarantee that our credit card(s) will appear on at least one of your three credit reports in less than 60 days from the first expected monthly reporting date, or you will receive a full refund. Typically they will appear in less than 30 days, most of the time it takes just 7 to 14 days.

Our Cardholders are required to keep you listed as an Authorized User on their credit card for no less than 60 days. As a result, we guarantee the history of the card you have chosen will remain on your credit report for at least 60 days. Contact our team if you need to extend your lease longer than 60 days.

Apply for a Personal, house, or car loans. All the benefits people with good credit have, you know possess.

Once your status as an Authorized User with the credit card company has been removed, the card companies tend to leave the account history on your credit report anywhere from 6 months to several years, more than enough time for you to go out and get approved for the loan you need. However, do not waste any time with your plan as it is still possible for the card to fall off immediately after the 60 days expires. At this point, there is nothing we can do.