Your good credit is an income stream.
If you have credit cards with $5,000+ limits and 18 months or more of clean history, you can get paid every month by letting vetted clients piggyback on your authorized user slots — helping them rebuild while you collect residual income. You keep the card. You keep control.
Do your cards qualify?
Per card. Higher limits earn materially more per authorized user slot.
The older the account, the more score impact it carries — and the more it pays.
No lates, no charge-offs, no collections on the account you enroll.
Keep the balance under roughly 15% of the limit while the account is enrolled.
How you get paid
Tell us the issuer, limit, open date and payment history. We tell you exactly what each card is worth per slot.
We verify the accounts, set your payout schedule, and place your cards into our vetted client rotation.
You add the assigned user through your issuer's portal or phone line. It takes minutes. No card is ever shipped to them.
You're paid per slot, per cycle. Remove the user at the end of the term and the slot reopens for the next payout.
What a slot is worth.
| Card limit | Account age | Typical payout per slot |
|---|---|---|
| $5,000 – $9,999 | 2+ years | $75 – $150 |
| $10,000 – $24,999 | 5+ years | $150 – $350 |
| $25,000 – $49,999 | 10+ years | $350 – $700 |
| $50,000+ | 15+ years | $700 – $1,200+ |
Ranges are illustrative and depend on issuer, limit, age, utilization and current client demand. Payouts are quoted per authorized user slot, per reporting cycle. Income may be taxable — consult your CPA.
Three qualifying cards with two open slots each can mean six payouts every single month.
Remove any authorized user at any time, for any reason, directly through your issuer.
Every slot you open lifts a thin or damaged file — often 40–150 points in one cycle.
Reseller FAQ
Yes. Authorized user reporting is expressly permitted under the Equal Credit Opportunity Act and Regulation B. It's the same mechanism a parent uses to help a child build credit — we simply organize it, vet both sides, and compensate the cardholder.
No. Cards are never mailed to the authorized user, and they never receive your card number, CVV, PIN or online access. You keep the physical card and full account control the entire time.
No, as long as you keep the account current and utilization low. Adding an authorized user does not create a hard inquiry and does not change your limit or your own payment obligation.
Most issuers allow between two and five authorized users per card at a time. Multiple qualifying cards multiply your monthly income accordingly.
Payouts run monthly, per active slot, after the account reports to the bureaus. You'll see your active slots and pending payouts at every check-in.
Turn your credit into cash flow.
Send us your card details and we'll tell you what each one earns per month — free, no obligation.