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Sell Tradelines: Turn Your Credit Cards Into Monthly Income
Selling tradelines means adding people as authorized users on your credit cards for a fee.
You get paid. They get a credit boost. The transaction is done in under 15 minutes.
If you have cards with a solid payment history and you’re not using all of them, those cards are sitting on untapped income.
What tradeline sellers actually do
You provide your card details (bank, age, limit) to a tradeline company.
They find a buyer and notify you when to add them as an authorized user.
You add them online, keep the card, and get paid after it reports to the credit bureaus.
After 90 days, you remove them. That’s the full cycle.
How much can you make as a tradeline seller
Your earnings depend on:
- Age of your cards (older cards pay more)
- Credit limits (higher limits earn more per slot)
- How many cards you sell
- How many authorized users per card per month
A card that is 5+ years old with a $15,000+ limit can earn $150+ per posting. Most sellers with 5 or more active cards earn between $500 and $2,000 monthly.
You can use our FREE EARNINGS CALCULATOR to see how much you can make from selling your own tradelines.
Which cards work best
Not all cards qualify. The best cards for selling tradelines are:
At least 2 years old with no late payments
Citi, Discover, Barclays, or American Express
Under 10% utilization
Avoid Bank of America entirely!!!! They are known for shutting down accounts that add authorized users. If you have a ton of Chase cards you may want to avoid selling those as well.
How to get started as a tradeline seller
Use our Tradeline Seller Earnings Calculator to see what your specific cards are worth before committing to anything.
When you’re ready, apply to list your cards with Tradeline Express.
We handle the buyers, timing, and compliance. You just add and remove users when we tell you to.
