Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 144977 times)

BC_Goldman

  • Stubble
  • **
  • Posts: 143
Quick question: Does it matter which Barclay card you're using? I'm planning to open up a couple cards tomorrow for signing bonuses and one is the Barclay CashForward since it doesn't have an annual fee. I'm not particularly interested in accumulating miles so I don't see the need to bother with one of their cards that has an annual fee otherwise.

Also looking at a DiscoverIT to season for two years. Sadly, they don't look like they have any cards with signing bonuses.

arebelspy

  • Administrator
  • Senior Mustachian
  • *****
  • Posts: 25246
  • Age: -999
  • Location: Traveling the World
Quick question: Does it matter which Barclay card you're using?

No.
We are two former teachers who accumulated a bunch of real estate, retired at 29, and now travel the world full time with a kid.
If you want to know more about me, or how we did that, or see lots of pictures, this Business Insider profile tells our story pretty well.
We (occasionally) blog at AdventuringAlong.com.
You can also read my forum "Journal."

TomTX

  • Handlebar Stache
  • *****
  • Posts: 2497
  • Location: Texas
Quick question: Does it matter which Barclay card you're using? I'm planning to open up a couple cards tomorrow for signing bonuses and one is the Barclay CashForward since it doesn't have an annual fee. I'm not particularly interested in accumulating miles so I don't see the need to bother with one of their cards that has an annual fee otherwise.

Also looking at a DiscoverIT to season for two years. Sadly, they don't look like they have any cards with signing bonuses.
Here's a $50 referral bonus (no min spend) - it should also qualify you for the "double cashback" for the first year, which gets you another $50 after a year (plus matching whatever other bonuses you managed in the meantime)

https://refer.discover.com/s/37e3u
« Last Edit: July 15, 2017, 05:45:16 AM by TomTX »
Credit card signup bonuses:

$150 bonus on $500 spend for Chase Freedom:
https://www.referyourchasecard.com/2/MU4TDQ1N3K

$50 bonus (no min spend, just use it once) plus double all cash back at the end of 1 year for Discover, including the initial $50:
https://refer.discover.com/s/37e3u

$500 bonus on $4,000 spend for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6/Z8JIP66H7G

BC_Goldman

  • Stubble
  • **
  • Posts: 143
Thanks! Speaking of referrals: if anyone doesn't already have a Chase Freedom, they are offering me $100 for up to 5 people that I send them who spend 500 in the first couple (3?) months and they also give the people $150.

Joel

  • Pencil Stache
  • ****
  • Posts: 686
  • Location: California
Has anyone used one account for both you and your spouse's cards?

My wife has two cards that I would like to sign-up, but I don't want to go through the hassle of having her setting up another account.

DarrellEW

  • 5 O'Clock Shadow
  • *
  • Posts: 3
Has anyone used one account for both you and your spouse's cards?

My wife has two cards that I would like to sign-up, but I don't want to go through the hassle of having her setting up another account.

I have an account that I use to list both my wife's and my own cards. The TL company said this was ok, and we haven't run into any issues yet.

RedwoodDreams

  • Stubble
  • **
  • Posts: 112
  • Location: Central coast CA
Has anyone used one account for both you and your spouse's cards?

My wife has two cards that I would like to sign-up, but I don't want to go through the hassle of having her setting up another account.

I have an account that I use to list both my wife's and my own cards. The TL company said this was ok, and we haven't run into any issues yet.

How do you get paid? Under one of your SSNs, or both get paid under your SSNs?

DarrellEW

  • 5 O'Clock Shadow
  • *
  • Posts: 3
Has anyone used one account for both you and your spouse's cards?

My wife has two cards that I would like to sign-up, but I don't want to go through the hassle of having her setting up another account.

I have an account that I use to list both my wife's and my own cards. The TL company said this was ok, and we haven't run into any issues yet.

How do you get paid? Under one of your SSNs, or both get paid under your SSNs?

The payments just come into one of our joint bank accounts. As for the tax information (W-9), I just filled it out once and provided my SSN.

Here's what the TL company said: "If you will be interacting with us separately and/or having your payments go to separate accounts, then use 2 contracts, otherwise 1 is fine."

Joel

  • Pencil Stache
  • ****
  • Posts: 686
  • Location: California
Has anyone used one account for both you and your spouse's cards?

My wife has two cards that I would like to sign-up, but I don't want to go through the hassle of having her setting up another account.

I have an account that I use to list both my wife's and my own cards. The TL company said this was ok, and we haven't run into any issues yet.

How do you get paid? Under one of your SSNs, or both get paid under your SSNs?

The payments just come into one of our joint bank accounts. As for the tax information (W-9), I just filled it out once and provided my SSN.

Here's what the TL company said: "If you will be interacting with us separately and/or having your payments go to separate accounts, then use 2 contracts, otherwise 1 is fine."

Thanks for sharing this. I think I'll reach out to them to confirm and add my wife's cards as well.

TomTX

  • Handlebar Stache
  • *****
  • Posts: 2497
  • Location: Texas
Thanks! Speaking of referrals: if anyone doesn't already have a Chase Freedom, they are offering me $100 for up to 5 people that I send them who spend 500 in the first couple (3?) months and they also give the people $150.

Yep, we should put up a referral link sharing thread, or resurrect one

Chase Freedom is a good "starter" card for people - and $150 back for a $500 spend is pretty tasty.

https://www.referyourchasecard.com/2/MU4TDQ1N3K
Credit card signup bonuses:

$150 bonus on $500 spend for Chase Freedom:
https://www.referyourchasecard.com/2/MU4TDQ1N3K

$50 bonus (no min spend, just use it once) plus double all cash back at the end of 1 year for Discover, including the initial $50:
https://refer.discover.com/s/37e3u

$500 bonus on $4,000 spend for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6/Z8JIP66H7G

dragoncar

  • Walrus Stache
  • *******
  • Posts: 7169
  • Registered member
Thanks! Speaking of referrals: if anyone doesn't already have a Chase Freedom, they are offering me $100 for up to 5 people that I send them who spend 500 in the first couple (3?) months and they also give the people $150.

Yep, we should put up a referral link sharing thread, or resurrect one

Chase Freedom is a good "starter" card for people - and $150 back for a $500 spend is pretty tasty.

https://www.referyourchasecard.com/2/MU4TDQ1N3K

We should set up a referral kickback thread.  How much are you willing to pay me to use your referral link?

Piggybacking is all well and good, but lets say I facilitate an exchange where TomTX gets a $100 referral bonus, keeps $45, pays $45 to the referral and I keep a $10 matchmaking fee?

TomTX

  • Handlebar Stache
  • *****
  • Posts: 2497
  • Location: Texas
Thanks! Speaking of referrals: if anyone doesn't already have a Chase Freedom, they are offering me $100 for up to 5 people that I send them who spend 500 in the first couple (3?) months and they also give the people $150.

Yep, we should put up a referral link sharing thread, or resurrect one

Chase Freedom is a good "starter" card for people - and $150 back for a $500 spend is pretty tasty.

https://www.referyourchasecard.com/2/MU4TDQ1N3K

We should set up a referral kickback thread.  How much are you willing to pay me to use your referral link?

Piggybacking is all well and good, but lets say I facilitate an exchange where TomTX gets a $100 referral bonus, keeps $45, pays $45 to the referral and I keep a $10 matchmaking fee?

That sounds awfully complicated. I just try to use links from people I know or have benefited from their posts.
Credit card signup bonuses:

$150 bonus on $500 spend for Chase Freedom:
https://www.referyourchasecard.com/2/MU4TDQ1N3K

$50 bonus (no min spend, just use it once) plus double all cash back at the end of 1 year for Discover, including the initial $50:
https://refer.discover.com/s/37e3u

$500 bonus on $4,000 spend for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6/Z8JIP66H7G

dragoncar

  • Walrus Stache
  • *******
  • Posts: 7169
  • Registered member
Thanks! Speaking of referrals: if anyone doesn't already have a Chase Freedom, they are offering me $100 for up to 5 people that I send them who spend 500 in the first couple (3?) months and they also give the people $150.

Yep, we should put up a referral link sharing thread, or resurrect one

Chase Freedom is a good "starter" card for people - and $150 back for a $500 spend is pretty tasty.

https://www.referyourchasecard.com/2/MU4TDQ1N3K

We should set up a referral kickback thread.  How much are you willing to pay me to use your referral link?

Piggybacking is all well and good, but lets say I facilitate an exchange where TomTX gets a $100 referral bonus, keeps $45, pays $45 to the referral and I keep a $10 matchmaking fee?

That sounds awfully complicated. I just try to use links from people I know or have benefited from their posts.

Is it more complicated than selling AUs on your tradeline?  I just try to add friends and family members to my credit lines to improve their credit scores for free.

dlawson

  • 5 O'Clock Shadow
  • *
  • Posts: 39
  • Age: 27
  • Location: Southern California
If people are looking to sign up for a new Chase card, the Freedom is not a great choice. Much better to use a referral link for the Sapphire Preferred, which has a 50k point bonus (worth $500 minimum) and a waived annual fee for the first year. After 11 months you can call to product change it to a fee-free Freedom.

turketron

  • Bristles
  • ***
  • Posts: 305
  • Age: 31
  • Location: WI
I just requested Credit increases for two Capital One credit cards- one hasn't had a balance for a couple months but was used a bunch before that, and the other I use for my $10 netflix subscription and then pay in full each month. I just used the "request an increase" option from Capitol One's online portal. Both requests were denied, with the explanation that "Recent use of this account's existing credit line has been too low."

In your collective experiences, is it worth calling to ask them to reconsider, or is that just a waste of time? if they ask why you're requesting it do you just say that it's for better credit utilization on your credit report?

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1011
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
I just requested Credit increases for two Capital One credit cards- one hasn't had a balance for a couple months but was used a bunch before that, and the other I use for my $10 netflix subscription and then pay in full each month. I just used the "request an increase" option from Capitol One's online portal. Both requests were denied, with the explanation that "Recent use of this account's existing credit line has been too low."

In your collective experiences, is it worth calling to ask them to reconsider, or is that just a waste of time? if they ask why you're requesting it do you just say that it's for better credit utilization on your credit report?

I wouldn't bother.  I don't think they will give you an increase just for utilization, especially if your utilization is low to begin with.

The two good ways to get an increase are to use the card a lot (like up to 50% of the existing CL) then ask for an increase after a month or two, or if you can legitimately claim a much higher income, they will give you increases based on that.  There are other ways I'm sure.
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1011
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Thought I would throw this out as a data point:

I just received two debt collection messages on my cell phone (which is my main number I use for everything) for an AU that I added last December to my USAA card with Old Company.  I called them back, said he couldn't be reached at this number.  They asked if I had a forwarding number, I said no.  They bleached my number from the collections case and that should be the end of it.

No big deal to me, but in the interest of transparency I thought I should share.
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

TomTX

  • Handlebar Stache
  • *****
  • Posts: 2497
  • Location: Texas
If people are looking to sign up for a new Chase card, the Freedom is not a great choice. Much better to use a referral link for the Sapphire Preferred, which has a 50k point bonus (worth $500 minimum) and a waived annual fee for the first year. After 11 months you can call to product change it to a fee-free Freedom.

In general, I agree. However, on this site I got a lot of "I could NEVER spend the $4k!"

That said, I'm delighted if anyone wants to use a referral: https://www.referyourchasecard.com/6/Z8JIP66H7G

Spend $4,000 in 3 months and get a bonus of 50,000 points ($500 in cash)

This was our first "signup bonus" card - we used it to pay property taxes with a ~2.19% fee, came out WAY ahead. Another option is to pay Fed income tax via one of the various sites for fees around (at least one is below) that amount.

Of course, for Tradelines, the Discover is far superior.
« Last Edit: July 17, 2017, 06:23:46 PM by TomTX »
Credit card signup bonuses:

$150 bonus on $500 spend for Chase Freedom:
https://www.referyourchasecard.com/2/MU4TDQ1N3K

$50 bonus (no min spend, just use it once) plus double all cash back at the end of 1 year for Discover, including the initial $50:
https://refer.discover.com/s/37e3u

$500 bonus on $4,000 spend for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6/Z8JIP66H7G

sr79

  • 5 O'Clock Shadow
  • *
  • Posts: 19
I just got my first add today after 1.5 months. How do I add them? I was not given the AUs Phone number or address and BoA asks for it. What should i do?

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1011
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
I just got my first add today after 1.5 months. How do I add them? I was not given the AUs Phone number or address and BoA asks for it. What should i do?

If you're using New Company, the address is normally given on the portal...although I had one where the address was just "NV".  Usually name, DOB, and SSN is enough to get it to post to the AU's credit report, so you can use your own phone number and address in a pinch.  BofA won't care (although they may think the AU is your SO :-) ).
« Last Edit: July 17, 2017, 09:51:48 PM by secondcor521 »
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

flashflooder

  • 5 O'Clock Shadow
  • *
  • Posts: 8
People are getting adds on BofA cards now?  My 2 BofA cards are still "Resting"...

sr79

  • 5 O'Clock Shadow
  • *
  • Posts: 19
People are getting adds on BofA cards now?  My 2 BofA cards are still "Resting"...

When I signed up they told me they were slowly taking the BofA cards off rest. You may want to email them.

cheapass

  • Bristles
  • ***
  • Posts: 476
  • Location: Dallas, Texas
  • On track for FIRE @ 40
What is the minimum age of card that the company will accept? I've got a Barclays that is about 7 months old...
Every single decision you make with money either shortens or lengthens your working career.

Optimiser

  • Bristles
  • ***
  • Posts: 282
  • Age: 34
  • Location: PNW
What is the minimum age of card that the company will accept? I've got a Barclays that is about 7 months old...

I believe that the new company requires them to be at least 1 year old. It is 2 years with the old company.

tj

  • Handlebar Stache
  • *****
  • Posts: 1061
  • Age: 32
  • Location: Phoenix
What is the minimum age of card that the company will accept? I've got a Barclays that is about 7 months old...

I wouldn't expect any bites for anything less than 2 years.

ducky19

  • Bristles
  • ***
  • Posts: 277
I surprisingly received an add for a Barclay card that was a little over a year old with a $20k limit. It really just depends on what the customer is willing to pay for I guess.

cheapass

  • Bristles
  • ***
  • Posts: 476
  • Location: Dallas, Texas
  • On track for FIRE @ 40
I surprisingly received an add for a Barclay card that was a little over a year old with a $20k limit. It really just depends on what the customer is willing to pay for I guess.

Sweet, I'll add it once it matures to a year and see what happens. Thanks
Every single decision you make with money either shortens or lengthens your working career.

FrugalZony

  • Handlebar Stache
  • *****
  • Posts: 1184
I figured payments would be a bit late this month, because of the holiday in early July, but so far I still have not seen payment for the May add.
In the past they would hit my account around the 10th or 11th of the months.

Has everyone been paid for May?

After a time, you may find that having is not so pleasing a thing, after all, as wanting. It is not logical, but it is often true.
Mr. Spock


Trial FIRE blog: http://thefrugalhumanist.com

Save money on pet food: http://pennywisepaws.com

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1011
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
I figured payments would be a bit late this month, because of the holiday in early July, but so far I still have not seen payment for the May add.
In the past they would hit my account around the 10th or 11th of the months.

Has everyone been paid for May?

Nope.  I keep track of things a little loosely, but I got paid for my April adds on June 30th, so I would expect to be paid for my May add around July 30th, so not for another 10 days or so.
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

Car Jack

  • Bristles
  • ***
  • Posts: 339

Has everyone been paid for May?

I was.  Couple weeks ago.  The ad was very early in May.

MsFrugalista

  • Stubble
  • **
  • Posts: 110
  • Age: 35
  • Location: Wandering around in a Winnebago

Has everyone been paid for May?

I was.  Couple weeks ago.  The ad was very early in May.

As was I (July 2 or 3 if I recall correctly). The sale was on May 16th. I inquired with the folks at the new company about the timing for payments and this was the response I received:

"Payments for cards with the statement closing date in June are paid at the end of July. Likewise, cards that had a statement closing date in May are paid at the end of June."

Hope this helps.
FIRE'd since Oct 2016

FrugalZony

  • Handlebar Stache
  • *****
  • Posts: 1184
Thanks all for your comments.
I never paid too much attention to this. The payment, came, when it came.
This is the first time, I expected it and had not seen it.
I'll give them another week and see.
The add was on May 24 if that makes any difference.
After a time, you may find that having is not so pleasing a thing, after all, as wanting. It is not logical, but it is often true.
Mr. Spock


Trial FIRE blog: http://thefrugalhumanist.com

Save money on pet food: http://pennywisepaws.com

ducky19

  • Bristles
  • ***
  • Posts: 277
I surprisingly received an add for a Barclay card that was a little over a year old with a $20k limit. It really just depends on what the customer is willing to pay for I guess.

Sweet, I'll add it once it matures to a year and see what happens. Thanks

Also had two adds (brothers I'd guess, by their name/age) to a Citi card, a little over a year old, with a $9300 limit - I would guess that was the cheapest add they could buy! I upped the limit on that card to $11300, so not sure if it will see more/less activity in the future. One year old cards do get at least a little attention with the right crowd.

katsiki

  • Pencil Stache
  • ****
  • Posts: 589
  • Age: 37
  • Location: Louisiana
Has anyone else gotten really old AUs?  I got 1 a couple of months ago and thought it was a little strange.  Everything worked out on that one.  I just got one today...  Person is 89 years old.  After some googling, they do appear to exist.

Maybe I am paranoid but I am hoping this isn't fraud.  ie using a deceased person's info.

Any thoughts?
"busy eating lentils in a van by the river"

yachi

  • Stubble
  • **
  • Posts: 151
I got one 77 years old.  I was wondering why someone that old needed better credit.  89 is much older than that!

TomTX

  • Handlebar Stache
  • *****
  • Posts: 2497
  • Location: Texas
I got one 77 years old.  I was wondering why someone that old needed better credit.  89 is much older than that!

Lower rate on a reverse mortgage is the obvious one. Could easily be someone who hasn't used credit in over a decade.
Credit card signup bonuses:

$150 bonus on $500 spend for Chase Freedom:
https://www.referyourchasecard.com/2/MU4TDQ1N3K

$50 bonus (no min spend, just use it once) plus double all cash back at the end of 1 year for Discover, including the initial $50:
https://refer.discover.com/s/37e3u

$500 bonus on $4,000 spend for Chase Sapphire Preferred:
https://www.referyourchasecard.com/6/Z8JIP66H7G

katsiki

  • Pencil Stache
  • ****
  • Posts: 589
  • Age: 37
  • Location: Louisiana
Thanks for the replies.  I added them yesterday.  I will post again if anything occurs.
"busy eating lentils in a van by the river"

yachi

  • Stubble
  • **
  • Posts: 151
I got one 77 years old.  I was wondering why someone that old needed better credit.  89 is much older than that!

Lower rate on a reverse mortgage is the obvious one. Could easily be someone who hasn't used credit in over a decade.

That makes sense.  I didn't give it much thought when I added him, it just struck me as odd.

dakota5176

  • 5 O'Clock Shadow
  • *
  • Posts: 13
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1538 on: August 05, 2017, 07:16:33 PM »
Just for giggles I put my AUs addresses into google.  Two of them live in $550,000 homes and the other one lives in a $350,000 home!  One had extensive pictures from a recent sale that were very nice and even included a beautiful in ground pool.  Maybe I'm naive but I was kind of surprised!

Unique User

  • Bristles
  • ***
  • Posts: 357
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1539 on: August 07, 2017, 12:39:07 PM »
I've read through this and it sounds fairly simple.  However, do people only sell the AUs on cards they don't use?  I have a Chase card that is 2.5 years old with a $25k credit line and a Elan Financial Card that is 2 years old with a $25k credit line.  I use both on a monthly basis and rarely spend more than $4k total per month on both cards (I put everything on these cards including business expenses).  Can I use these cards or will that mess with my regular usage? I also have a 7 year old Discover Card with a $7k credit line that I rarely use.  It seems like that is the most likely to use for this, but I'm still a bit confused as to why using cards that you don't use regularly are the ones to go with. 
« Last Edit: August 07, 2017, 12:50:44 PM by Unique User »

secondcor521

  • Handlebar Stache
  • *****
  • Posts: 1011
  • Age: 48
  • Location: Boise, Idaho
  • Big cattle, no hat.
    • Age of Eon - Overwatch player videos
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1540 on: August 07, 2017, 01:12:44 PM »
I've read through this and it sounds fairly simple.  However, do people only sell the AUs on cards they don't use?  I have a Chase card that is 2.5 years old with a $25k credit line and a Elan Financial Card that is 2 years old with a $25k credit line.  I use both on a monthly basis and rarely spend more than $4k total per month on both cards (I put everything on these cards including business expenses).  Can I use these cards or will that mess with my regular usage? I also have a 7 year old Discover Card with a $7k credit line that I rarely use.  It seems like that is the most likely to use for this, but I'm still a bit confused as to why using cards that you don't use regularly are the ones to go with.

The whole point of the exercise is to help raise the AU's credit score.  The tradeline company wants you to have some utilization so that the card reports on the AU's credit report, but not so much utilization that it doesn't help the AU score as much as it could.  I believe the guideline/requirement is less than 10% utilization.

Personally I have a bunch of cards, so using a non-piggybacking card is trivial.  When I have AU orders, I charge $2.50 to the card each month and pay it off after the statement closes.  That makes the utilization high enough to where it reports on the AU's credit report, but very low utilization.

$4K on a $25K card exceeds the 10% recommendation, so I would either move your spending to non-piggybacking cards, or don't use those cards for piggybacking if you'd rather use them as daily spenders.  From what I've seen, I think your younger two cards with higher limits would be more appealing to AUs than your Discover card, but you might get sales on all three.
Like Overwatch?  Check out this YouTube channel:  http://bit.ly/AgeOfEon

bassguitar115

  • 5 O'Clock Shadow
  • *
  • Posts: 12
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1541 on: August 07, 2017, 07:16:44 PM »
Just got my first add (Barclaycard)!

The process was simple and took about 10 minutes over the phone. Here's how my call went.
  • Sent me a pin through text message to verify my identity
  • Asked for relationship of AU: told her "friend" and she asked if it was a "close friend" and I said yes
  • Asked for SSN, DOB, first name, last name, and address


charuhans

  • 5 O'Clock Shadow
  • *
  • Posts: 16
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1542 on: August 09, 2017, 12:35:41 PM »
Have people got paid for the AUs added in the month of June, yet?

katsiki

  • Pencil Stache
  • ****
  • Posts: 589
  • Age: 37
  • Location: Louisiana
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1543 on: August 09, 2017, 10:05:09 PM »
Just got my first add (Barclaycard)!

The process was simple and took about 10 minutes over the phone. Here's how my call went.
  • Sent me a pin through text message to verify my identity
  • Asked for relationship of AU: told her "friend" and she asked if it was a "close friend" and I said yes
  • Asked for SSN, DOB, first name, last name, and address

Awesome!  Did you try adding online first?  I love barclay because you can do it all through their web site.
"busy eating lentils in a van by the river"

HipGnosis

  • Handlebar Stache
  • *****
  • Posts: 1003
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1544 on: August 10, 2017, 05:25:06 AM »
Have people got paid for the AUs added in the month of June, yet?
I got the direct deposit on Aug 4th.


Nubs

  • Stubble
  • **
  • Posts: 133
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1546 on: August 10, 2017, 09:19:37 AM »
Is it possible to do this with a Wells Fargo card?

Car Jack

  • Bristles
  • ***
  • Posts: 339
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1547 on: August 11, 2017, 01:00:43 PM »
I've read through this and it sounds fairly simple.  However, do people only sell the AUs on cards they don't use?  I have a Chase card that is 2.5 years old with a $25k credit line and a Elan Financial Card that is 2 years old with a $25k credit line.  I use both on a monthly basis and rarely spend more than $4k total per month on both cards (I put everything on these cards including business expenses).  Can I use these cards or will that mess with my regular usage? I also have a 7 year old Discover Card with a $7k credit line that I rarely use.  It seems like that is the most likely to use for this, but I'm still a bit confused as to why using cards that you don't use regularly are the ones to go with.

I only use cards that I don't care if they get shut down.  If you have the cards set up for auto payments and such, it's going to be a hassle when they get shut down.  If you want to be safe, assume the card will be shut down.  There are plenty of cards out there.  Use one for tradelines and if you pick up an AU, shift everything to another card.

I think they're pretty saturated with cards right now anyways.  After 3 straight months picking up AU's, I've had zero for July or August with 4 cards on file.

Car Jack

  • Bristles
  • ***
  • Posts: 339
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1548 on: August 11, 2017, 01:01:24 PM »
Is it possible to do this with a Wells Fargo card?

I'd send in an email to ask.  It isn't on the list.

Padonak

  • 5 O'Clock Shadow
  • *
  • Posts: 66
Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #1549 on: August 11, 2017, 05:29:20 PM »
Is it a problem if authorized user's name is misspelled (one letter in the last name is wrong)? All other details seem to be correct including social.