If you have established credit cards with strong payment histories, you may be able to earn extra income by adding authorized users to eligible accounts. This is commonly known as selling tradelines.
Not every credit card qualifies. Account age, credit limit, payment history, card issuer and current balance can all affect eligibility.
What Does It Mean to Sell Tradelines?
Selling a tradeline means receiving compensation for temporarily adding another person as an authorized user to an eligible credit card account.
You remain the primary cardholder and continue managing the account. At Coast Tradelines, approved cardholders participate through our Cardholder Program, which connects eligible accounts with authorized-user orders.
How Does Selling Tradelines Work?
Coast coordinates authorized-user orders and provides instructions when someone needs to be added to an eligible account.
- Submit your credit cards for review.
- Coast determines which accounts are eligible.
- An approved account becomes available for orders.
- You receive instructions to add an authorized user.
- The account is monitored for successful reporting.
- You receive payment for qualifying users that post.
- The authorized user is removed according to schedule.
Timing and order volume can vary based on the card and customer demand.
What Credit Cards Qualify?
Coast reviews several characteristics when evaluating cards for the program:
- Credit card issuer
- Account age
- Credit limit
- Payment history
- Current balance and utilization
- Authorized-user availability
Established accounts with strong payment histories and favorable balances may be more attractive, but eligibility depends on the entire account.
How Much Can You Make Selling Tradelines?
Earnings vary by account. The issuing bank, account age, credit limit and demand can all influence what an authorized-user position is worth.
Coast’s Cardholder Program currently indicates that eligible cards can earn approximately $50 to $350 per month per card. Earnings are not guaranteed and depend on qualifying authorized-user orders that successfully post.
To see what your cards may qualify for, you can request a cardholder quote.
Do Authorized Users Receive Your Credit Card?
Under Coast’s Cardholder Program, customers purchasing authorized-user positions do not receive a physical card from the cardholder and are not provided with the cardholder’s account information.
The arrangement is intended for authorized-user reporting, not spending access. Cardholders should still understand their issuer’s authorized-user terms and responsibilities.
When Do Cardholders Get Paid?
Payment depends on successful authorized-user reporting rather than simply adding someone to an account.
Coast confirms whether an authorized-user order posted and issues payment according to the program schedule. Current payment procedures and other details are available in the Cardholder FAQ.
Does Selling Tradelines Affect Your Credit?
Adding an authorized user does not create a new primary credit account for you. Your existing card remains your account and continues to be managed normally.
Your balance, payment history, utilization and account status still matter. Your card issuer also controls its authorized-user policies, so following the issuer’s rules remains important.
What Does the Cardholder Need to Do?
Selling tradelines can provide additional income from cards you already maintain, but some participation is required.
- Monitor order instructions
- Add authorized users when requested
- Keep participating accounts in good standing
- Follow the required schedule
- Remove authorized users when instructed
The workload may be limited, but cardholders still need to monitor their accounts and follow program instructions.
What Are the Risks of Selling Tradelines?
Your credit card issuer controls the account and establishes its authorized-user policies. Review your cardholder agreement and understand your responsibilities before participating.
Program participation and earnings are also not guaranteed. Demand can change, an authorized user may not successfully report and account eligibility can change over time.
Can You Sell More Than One Tradeline?
If you have several eligible credit cards, multiple accounts may qualify. Each card is evaluated separately based on its issuer and account characteristics.
Cardholders with multiple eligible accounts may therefore have more opportunities to receive authorized-user orders.
Who Is a Good Fit for the Cardholder Program?
The Coast Cardholder Program is designed for people who already have established credit cards and manage them responsibly.
Potential candidates generally have:
- Established credit card accounts
- Consistent payment history
- Relatively low balances
- Eligible card issuers
- Willingness to follow authorized-user instructions
Not every card will qualify. Having your accounts reviewed is the simplest way to determine eligibility.
Getting Started With Coast Tradelines
If you have established credit cards and want to see whether they qualify, submit your cards to the Coast Tradelines Cardholder Program for evaluation.
Review the eligibility, compensation and responsibilities before participating. Once approved, follow the instructions for each authorized-user order while continuing to manage your credit cards responsibly.
