Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 144971 times)

medinaj2160

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No orders yet for me :(

I have a discover opened on 2009 with 11k limit and Barclays opened in 2014 with 17k limit

kudy

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Does anyone have any experience dealing with Capital One requesting identification documents for previous AUs? I was using a company last year that I've since stopped using, and Capital One just called me requesting documents for all AUs I've ever added.

I'm concerned that the old company won't provide these. Not sure where to go from here.

Yikes! That sounds intense. What about saying something like, "I am no longer in communication with those people, I can't provide documentation"?

DavidAnnArbor

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No orders yet for me :(

I have a discover opened on 2009 with 11k limit and Barclays opened in 2014 with 17k limit

Sorry you're experiencing that. They both sound like good cards.

My Elan card with $11,500 limit that is 3 years old isn't getting any either.

HipGnosis

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No orders yet for me :(

I have a discover opened on 2009 with 11k limit and Barclays opened in 2014 with 17k limit

Sorry you're experiencing that. They both sound like good cards.

My Elan card with $11,500 limit that is 3 years old isn't getting any either.
I've always heard/thought that credit repair Cos were scams.  I assume that most people do too.
Now I'm selling tradelines (actually it's renting CC AU slots) so now I know they're not (all) scams and that it does work.
It makes me wonder if we'd all get more 'adds' (and more money) if we spread the word that this exists, is legit and actually works.   It wouldn't happen over night, but could eventually change public knowledge.

jarredtipton

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So I added my first card to the portal about 1.5 weeks ago. I'm not expecting an add this soon, but is my card still says (PENDING ACTIVATION) next to it. Is this normal?

arebelspy

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Does anyone have any experience dealing with Capital One requesting identification documents for previous AUs? I was using a company last year that I've since stopped using, and Capital One just called me requesting documents for all AUs I've ever added.

I'm concerned that the old company won't provide these. Not sure where to go from here.

I have not had that happen, nor heard of it.

There is some good news, if the old company was the one I was recommending.

One advantage of doing things the way old and new company do (versus other companies that don't vet as thoroughly), is they have a third party secure company that keeps documents in case of a federal audit or other issues.  They no longer have normal access, but there is a way to access them if necessary. Basically after a few months the documents go into a locked down deep storage with another company that handles this type of work. This is to help show compliance with certain banking laws and to be able to show vetting on AUs if an investigation into one (who did fraud or something) comes up later--they have proof of what was done.  Other companies don't do this, and put you more at risk due to that.  It's one of the things I have some knowledge on from talking with the owners quite a bit, and probably can't share much more, but it is a big benefit.

Have you contacted the old company about it?

I'd also follow the route that ducky and kudy mentioned--letting Cap1 know that these are former business associates, and while you'd be happy to provide any documentation for current AUs, you won't be able to for former ones.  I think that's a totally reasonable response.

Let us know how it goes!
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arebelspy

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So I added my first card to the portal about 1.5 weeks ago. I'm not expecting an add this soon, but is my card still says (PENDING ACTIVATION) next to it. Is this normal?

Someone at the TL company will need to verify that all your signed documents are in, and that the card you added matches the info on those docs, and then will activate the card.
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secondcor521

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Requesting help from the hive mind also:  :-)

I got three emails from new company today:  Two automated AU sales emails from the portal and a followup email from the company pointing out the last minute adds and making sure I could do them "by tomorrow", meaning Friday.

I'm on vacation but I have the cards with me (in case I got sales - sometimes the card issuer wants the CVV code or the expiration date off the card), and have access to phone and internet, so that's not a problem.

But...

A.  Both new AU sales are on the same credit card (an 11 year old USAA card with $34K limit).  This card already has two AUs on it from new company sales in February (added Feb 2 and Feb 28) which were done via the old manual process.  The emails said nothing about removing the old AU's.  I *think* USAA has a maximum of two slots, and I think it is too early to remove the add that was done on 2/28.  So I'm conflicted between wanting to add the new AU's, but not wanting to exceed the number of slots with USAA, but also not wanting to remove existing AU's too early.  Thoughts?

B.  If I do end up adding both, it's better to add them in a single phone call, not two separate ones...right?

C.  They're requesting that I add them by tomorrow (3/31), but my card doesn't close until the 6th (so 4/6).  The card has an existing balance on it that will show on my 4/6 statement.  It seems like I don't need to solve this problem in the next 24 hours...right?  I'm in Washington DC at the moment, was planning to go to the zoo tomorrow with my kid, and it would be a little easier to deal with this tomorrow evening after about 6pm Eastern.  I've emailed new company with my questions, but I think they're in the western US, so by the time they get back to me I may be away from my computer.  Overall, trying to be responsive but don't want to drag my laptop around with me at the zoo tomorrow and don't want to tell my kid to watch the zebras for 20 minutes while Daddy makes a weird phone call or have USAA wonder why there are elephant noises in the background as I add foreign-sounding names as AU's.

Thanks to all for any advice.

P.S. - As I think about this, I think the new company probably isn't watching the transition from the manual system to the new portal, and that I should remove the 2/2 AU in one phone call, leave the 2/28 AU, add one of the new AU's in a second phone call, and have them shift one of the AU's to a different card (another one of mine or someone else's).  I suspect I'll get an email from them sometime tomorrow during the day, but I'm not dragging my laptop around with me all day, so it'll have to be tomorrow night, which I think will be OK since the card doesn't close until the 6th.

P.P.S. - Not sure why I'm so long winded and indecisive today.  Probably combined effects of vacation and hanging out with my 15 year old daughter.
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Malaysia41

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This is weird. I am on the Bofa website looking for the link to add authorized users. It's nowhere to be found. The instructions in the online help take me to pages that lack links to the auth user add page. (where I remember they used to be located).

So I went to my internet history and found that url. It's still active and has all the fields to fill in etc, but now I'm wondering what's going on. Is the heat still on?

Anyway, just thought I'd report that. It is of course possible that I'm being totally blind to the links. But I don't think so. I've spent a good ten minutes poking around trying to find the 'add authorized user' link and nada.

Any of you seeing the same thing? Or am I just being blind?
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Zap

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This is weird...Any of you seeing the same thing? Or am I just being blind?

I have the link in the same place it's always been, on the "Information and Services" tab.

Malaysia41

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This is weird...Any of you seeing the same thing? Or am I just being blind?

I have the link in the same place it's always been, on the "Information and Services" tab.

It's weird. I'm not seeing it. I'm blind? Yes?

Last one to panic wins!

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Zap

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That's strange. It's definitely missing, along with some other options. Here's my view:

arebelspy

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Probably too late to help, secondcor521, but let us know what you ended up doing.  :)

I think you're right in that they didn't coordinate old sales with the portal, so they may have oversold your card.

@Malaysia41: That's really weird.  Mine is showing just fine.
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Malaysia41

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Regarding bofa - I believe I figured it out. They must conditionally pare down the links when the page loads - dependind on where a person is browsing from. US - all the links. Italy - fewer links.

This morning, my Hola VPN was throwing errors so I logged on to Bofa without it. Just now, I found that Hola VPN was working, so I tried Bofa with VPN and voila - the Add Authorized Users link shows up - just like yours.

Thanks for chiming in with your observations. I'm feeling a bit skittish on the BofA so I appreciate your input.

Issue resolved. Ciao.
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solon

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Just had my first two adds!

The call to Citi went well. It was easy to give the name, SSN, DOB, and address.

There was a slight hickup when I asked that the cards be sent to me, instead of the new AU. The rep put me on hold while he checked if he could do that. When he came back, he said, "no problem". I logged on to Citi's website, and the new AUs were already listed there, all information correct. There was even an note that clarified the cards would be coming to me, not to the new AU.

Early in the call, when the rep was verifying my identity, he asked for the "member since" date on the front of the card, and the CVV number on the back.

ZagNation

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Just had my first two adds!

The call to Citi went well. It was easy to give the name, SSN, DOB, and address.

There was a slight hickup when I asked that the cards be sent to me, instead of the new AU. The rep put me on hold while he checked if he could do that. When he came back, he said, "no problem". I logged on to Citi's website, and the new AUs were already listed there, all information correct. There was even an note that clarified the cards would be coming to me, not to the new AU.

Early in the call, when the rep was verifying my identity, he asked for the "member since" date on the front of the card, and the CVV number on the back.
Congrats on your sales solon! Do you mind me asking if you can view both of your recently added AUs at Citi's website? I recently had my first two adds and only the first is visible to me online yet I received confirmation that both were successfully added.

bassguitar115

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My credit score is great, but are there any requirements for keeping your credit score above a certain level or limiting the number of credit cards you can open? Just curious because I typically open a couple new cards every 6 months or so.

solon

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Just had my first two adds!

The call to Citi went well. It was easy to give the name, SSN, DOB, and address.

There was a slight hickup when I asked that the cards be sent to me, instead of the new AU. The rep put me on hold while he checked if he could do that. When he came back, he said, "no problem". I logged on to Citi's website, and the new AUs were already listed there, all information correct. There was even an note that clarified the cards would be coming to me, not to the new AU.

Early in the call, when the rep was verifying my identity, he asked for the "member since" date on the front of the card, and the CVV number on the back.
Congrats on your sales solon! Do you mind me asking if you can view both of your recently added AUs at Citi's website? I recently had my first two adds and only the first is visible to me online yet I received confirmation that both were successfully added.

Yeah, they're both listed there. My Citi card is a Sears card, if that makes a difference.

aetherie

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I got my first add!

However, similar to what secondcor said, I'm currently traveling and unable to do the add until tomorrow (April 1). I'm hoping that will be okay, even though the task says to do it today, because my card doesn't close until the 7th. I sent New Company an email to that effect and we'll see if they respond.

EDIT: as I was typing this I got a response:

Quote
Thank you for your email.  If you can be sure to do the add tomorrow afternoon, I think we will be fine.  As you know, timing is crucial, but you are correct, you have a cushion of a few days, so adding tomorrow should be an adequate amount of time.  Please let us know if you have any difficulties.
« Last Edit: March 31, 2017, 12:08:15 PM by aetherie »

sirdoug007

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My credit score is great, but are there any requirements for keeping your credit score above a certain level or limiting the number of credit cards you can open? Just curious because I typically open a couple new cards every 6 months or so.

The AU only gets the benefit of the card they are added to, not your overall credit score.   So other credit cards should not impact the sales one bit.  You should be able to get the same results with piss poor credit as long as the card is pristine (no missed payments).

DavidAnnArbor

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There was a slight hickup when I asked that the cards be sent to me, instead of the new AU. The rep put me on hold while he checked if he could do that. When he came back, he said, "no problem". I logged on to Citi's website, and the new AUs were already listed there, all information correct. There was even an note that clarified the cards would be coming to me, not to the new AU.


Wow that's definitely a concern.

cheapass

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Question for you guys. I have 2 Capital One cards registered, $12K and $33K. It occurred to me today that I could have them combined into one account that is the older of the 2 (6 years) and with a limit of $45K.

Is there a market for cards with this high of a limit or am I better off sticking with 2 cards for 2X the number of available slots?
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Shade00

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I got the cards from the two Discover adds today. OK to shred them or do they have to be activated or something first?

arebelspy

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Just had my first two adds!

Nice!

Congrats on your sales solon! Do you mind me asking if you can view both of your recently added AUs at Citi's website? I recently had my first two adds and only the first is visible to me online yet I received confirmation that both were successfully added.

That's..really weird.  You called back to confirm they are both showing on the account as AUs?

My credit score is great, but are there any requirements for keeping your credit score above a certain level or limiting the number of credit cards you can open? Just curious because I typically open a couple new cards every 6 months or so.

No, it has literally nothing to do with your credit, all about the card itself that you're selling.  You could have a 500 credit score, and a card that is old with a high limit, as long as that card itself has never had any late payments and has <10% utilization, adding that card to their report boosts the AU's score... and makes no difference if you had an 800 score, or a 500 score, when you did it.

I got my first add!

However, similar to what secondcor said, I'm currently traveling and unable to do the add until tomorrow (April 1). I'm hoping that will be okay, even though the task says to do it today, because my card doesn't close until the 7th. I sent New Company an email to that effect and we'll see if they respond.

Congrats!

That's plenty of time.  Always good to do it with a few days buffer--generally they give you the day to add it, and you want to do it within three days or so, which should still be before the statement close. Don't forget to put a token charge on the card before the close.

Wow that's definitely a concern.

Nah, it's just customer service agents not knowing anything.  I always double check, but it's not something I'd be concerned about at all.

Question for you guys. I have 2 Capital One cards registered, $12K and $33K. It occurred to me today that I could have them combined into one account that is the older of the 2 (6 years) and with a limit of $45K.

Is there a market for cards with this high of a limit or am I better off sticking with 2 cards for 2X the number of available slots?

There definitely is, and if the one card is fairly young, I'd probably try to combine them, to make your card stand out and have  a higher payment amount.  If it's not too young (just a bit younger than the other), I'd probably try to keep them separate, for more sales. Hard to say for sure though.

I got the cards from the two Discover adds today. OK to shred them or do they have to be activated or something first?

Shred 'em.
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FrugalZony

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I received my first two adds through the portal today, thanks ARS!
I added them online first and then I called in the SSN's on two different phone calls, about 30 min apart from each other.
On the second call they asked me to specify relationship, which is something they never had asked me about before.
Had I had more time, I would have waited, but my statement date is tomorrow.
Just received my second sale on the same Citi card with the billing cycle closing on 4/2. Thus far when I have called Citi to provide the SSN, it has been mid-afternoon, classic lunch time, or during the morning on Saturday or Sunday. I've simply stated I'd like to update some information on an authorized user; I'd like to include their SSN. Thanks for your assistance today.

If you don't mind sharing FrugalZony, what was your response to please specify the relationship? I would have said business associate.
Sorry for the late reply. I wasn't online for a few days (fired life and all ;) LOL!)
At some point in the past The Company had told me to say "contractor".
When I add the AU's online it asks for relationship and I always choose "other", so I was suprised they asked for this again.
So I told the lady nicely that I had selected "other" when adding the AU, but that they are a contractor.
No issues, but it was still odd, that they asked, although I had already supplied that info.
« Last Edit: March 31, 2017, 09:23:08 PM by FrugalZony »
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PennySaved75

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I got an email from the company asking me to add an AU to my Discover card today ($15.5K credit limit, 31 yr old card).  Went to the portal and got the AU information, and I added the AU info online on the Discover Webpage. Then went back to portal and clicked on the "Add Completed" under My Tasks. I already had a credit card purchase made that will be on the statement before it closes, so no need to make another purchase.  This will be my second AU for any of my cards, so things are starting to look up!

secondcor521

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Probably too late to help, secondcor521, but let us know what you ended up doing.  :)

New company said to add keep both existing AUs and add the two new AUs in one phone call.  They also said (in variation from what was said a few posts above by ARS) that the deadline is today (payment due date) to do the adds, even though my statement close isn't until the 6th.  I suspect this is just variations in the employees at new company and how they individually do things.

Called in to add the AUs.  USAA CSR is able to add the first (third) AU just fine, but her computer threw errors when she tried to add the second (fourth) AU.  CSR checks with the back office and comes back with some explanation that their computer system is being upgraded right then and that must be the cause of the glitch.  She recommended calling back tomorrow or Monday.  I strongly suspect that USAA has a 3 AU limit in their system that requires a supervisor-type person to override because I think I ran into the same scenario a month or two ago.

I'll call in tomorrow or Monday and try to add the last AU.  If that doesn't work I'll email the new company and have them move the sale to a different card.
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hoodedfalcon

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Called in to add the AUs.  USAA CSR is able to add the first (third) AU just fine, but her computer threw errors when she tried to add the second (fourth) AU.  CSR checks with the back office and comes back with some explanation that their computer system is being upgraded right then and that must be the cause of the glitch.  She recommended calling back tomorrow or Monday.  I strongly suspect that USAA has a 3 AU limit in their system that requires a supervisor-type person to override because I think I ran into the same scenario a month or two ago.

I'll call in tomorrow or Monday and try to add the last AU.  If that doesn't work I'll email the new company and have them move the sale to a different card.

My understanding is that USAA does have a three AU limit... New company said when I asked "For USAA we add 3 every other month.  You can make them in the same call."

Shade00

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Well, I missed a call from Discover Card Protection a minute ago. Tried to log into my account and it's locked. I'm hoping they didn't shut me down for the two adds.

arebelspy

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Well, I missed a call from Discover Card Protection a minute ago. Tried to log into my account and it's locked. I'm hoping they didn't shut me down for the two adds.

Nah, you'll call them and they'll just verify it was you that did the adds, verify the AU info and your info, and unlock you.  Should be a one-time thing.  You'll come back on here 10 minutes from now and confirm that, then someone else will have the same heart attack a few weeks from now when they do their first Discover AU adds.  :)
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wienerdog

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So the added users does get your address?  Does anyone have concerns about that?  Also I added a $40000+ card.  I sent an email for the payout.  Is it negotiable?

Shade00

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Well, I missed a call from Discover Card Protection a minute ago. Tried to log into my account and it's locked. I'm hoping they didn't shut me down for the two adds.

Nah, you'll call them and they'll just verify it was you that did the adds, verify the AU info and your info, and unlock you.  Should be a one-time thing.  You'll come back on here 10 minutes from now and confirm that, then someone else will have the same heart attack a few weeks from now when they do their first Discover AU adds.  :)

Yep! Easy enough. Asked to verify who I was and then just asked to verify that I had added the AUs.

ZagNation

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Just had my first two adds!

The call to Citi went well. It was easy to give the name, SSN, DOB, and address.

There was a slight hickup when I asked that the cards be sent to me, instead of the new AU. The rep put me on hold while he checked if he could do that. When he came back, he said, "no problem". I logged on to Citi's website, and the new AUs were already listed there, all information correct. There was even an note that clarified the cards would be coming to me, not to the new AU.

Early in the call, when the rep was verifying my identity, he asked for the "member since" date on the front of the card, and the CVV number on the back.
Congrats on your sales solon! Do you mind me asking if you can view both of your recently added AUs at Citi's website? I recently had my first two adds and only the first is visible to me online yet I received confirmation that both were successfully added.

Yeah, they're both listed there. My Citi card is a Sears card, if that makes a difference.
Quick update. I sent a secure message to confirm my second AU was added properly and after I provided all of their information, including SSN, Citi notified me the add was successful and sure enough both AUs are listed online.

charuhans

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I haven't received the payout for the adds I did in February. I thought I read in the tread that all February add payouts were supposed to post the week of March 31st. Anyone else not received payments for February?

MoseyingAlong

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I haven't received the payout for the adds I did in February. I thought I read in the tread that all February add payouts were supposed to post the week of March 31st. Anyone else not received payments for February?


Same here. One and only sale was in early February and no pay yet. I emailed them about it last week (before ARS's post) and got a reply that I'd be paid last week. Didn't happen.

Honestly I'm a little.bemused by this whole thing. I sent in the completed paperwork on December 30th and thought I had an attractive card (USAA, over 13 years old, $28K limit.) So far, only one AU while others are posting about multiples. Seems a little.black boxish. Not sneezing at extra $, just mystified about how it's playing out.

DavidAnnArbor

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I haven't received the payout for the adds I did in February. I thought I read in the tread that all February add payouts were supposed to post the week of March 31st. Anyone else not received payments for February?


Same here. One and only sale was in early February and no pay yet. I emailed them about it last week (before ARS's post) and got a reply that I'd be paid last week. Didn't happen.

Honestly I'm a little.bemused by this whole thing. I sent in the completed paperwork on December 30th and thought I had an attractive card (USAA, over 13 years old, $28K limit.) So far, only one AU while others are posting about multiples. Seems a little.black boxish. Not sneezing at extra $, just mystified about how it's playing out.

Wow that's an incredible card. I'm surprised too.

monarda

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I haven't received the payout for the adds I did in February. I thought I read in the tread that all February add payouts were supposed to post the week of March 31st. Anyone else not received payments for February?


Same here. One and only sale was in early February and no pay yet. I emailed them about it last week (before ARS's post) and got a reply that I'd be paid last week. Didn't happen.

Honestly I'm a little.bemused by this whole thing. I sent in the completed paperwork on December 30th and thought I had an attractive card (USAA, over 13 years old, $28K limit.) So far, only one AU while others are posting about multiples. Seems a little.black boxish. Not sneezing at extra $, just mystified about how it's playing out.

You get paid about 2 months after the adds. So, I'd only expect the payment to happen around now.
I've been paid for my January adds, but not yet for my Feb (added on the 23rd), so I don't expect that one for a couple weeks.


TomTX

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Well, sent in an update for my (resting) BoA card since the credit limit is bumped up to $31k.

Still not a single add on any of the 3 cards.
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$500 bonus on $4,000 spend for Chase Sapphire Preferred:
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HipGnosis

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Honestly I'm a little.bemused by this whole thing. I sent in the completed paperwork on December 30th and thought I had an attractive card (USAA, over 13 years old, $28K limit.) So far, only one AU while others are posting about multiples. Seems a little black boxish. Not sneezing at extra $, just mystified about how it's playing out.
That card (ie. the card's slots) will cost more to the customers - and will only be 'worth it' to the customers that really need that much of a boost to their credit.  I'm deducing the potential customers don't have all kinds of spare cash or credit. 

secondcor521

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Data point FYI:

On March 24, 2017, someone attempted to open a Discover it card application using my name and/or SSN.  It wasn't me.

Discover flagged it as suspected fraud, sent me a letter, I called just now and confirmed that it was fraud.  They recommended that I file a notice with the credit bureaus that I am an identity theft victim.  I will do so.

I appreciate that Discover caught this and will say that they were very good in handling my call and answering my concerns.

This is the first time this has happened to me.  However, we all know identity theft is rampant, and I really haven't done much to prevent it or avoid it, so this may or may not be related to piggybacking activity.  In fact, I would be inclined to guess that it isn't related and plan to continue my piggybacking activities.

I can jump through hoops if I want to in order to find out more about the application that was submitted.  But since it's extra effort and I doubt it would help me determine whether or not it was related to piggybacking, at this point I have decided not to do those extra steps.
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Padonak

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Data point FYI:

On March 24, 2017, someone attempted to open a Discover it card application using my name and/or SSN.  It wasn't me.

Discover flagged it as suspected fraud, sent me a letter, I called just now and confirmed that it was fraud.  They recommended that I file a notice with the credit bureaus that I am an identity theft victim.  I will do so.

I appreciate that Discover caught this and will say that they were very good in handling my call and answering my concerns.

This is the first time this has happened to me.  However, we all know identity theft is rampant, and I really haven't done much to prevent it or avoid it, so this may or may not be related to piggybacking activity.  In fact, I would be inclined to guess that it isn't related and plan to continue my piggybacking activities.

I can jump through hoops if I want to in order to find out more about the application that was submitted.  But since it's extra effort and I doubt it would help me determine whether or not it was related to piggybacking, at this point I have decided not to do those extra steps.

When you signed up with a tradeline company, did you use your actual SSN?

secondcor521

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Data point FYI:

On March 24, 2017, someone attempted to open a Discover it card application using my name and/or SSN.  It wasn't me.

Discover flagged it as suspected fraud, sent me a letter, I called just now and confirmed that it was fraud.  They recommended that I file a notice with the credit bureaus that I am an identity theft victim.  I will do so.

I appreciate that Discover caught this and will say that they were very good in handling my call and answering my concerns.

This is the first time this has happened to me.  However, we all know identity theft is rampant, and I really haven't done much to prevent it or avoid it, so this may or may not be related to piggybacking activity.  In fact, I would be inclined to guess that it isn't related and plan to continue my piggybacking activities.

I can jump through hoops if I want to in order to find out more about the application that was submitted.  But since it's extra effort and I doubt it would help me determine whether or not it was related to piggybacking, at this point I have decided not to do those extra steps.

When you signed up with a tradeline company, did you use your actual SSN?

Yep, with both old company and new company.  I give my SSN freely to banks, doctors, etc.; just not to the nice people who call from Microsoft and the IRS ;-).  See the bolded part above.  I really do little to nothing to prevent identity theft, so perhaps this is my comeuppance.
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FrugalSaver

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So the added users does get your address?  Does anyone have concerns about that?  Also I added a $40000+ card.  I sent an email for the payout.  Is it negotiable?

The tradeline purchaser gets your personal address?  Hmmmm.

HipGnosis

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So the added users does get your address?  Does anyone have concerns about that? 
What makes you think the purchaser gets your address?  They don't get any of your info.

tj

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So the added users does get your address?  Does anyone have concerns about that? 
What makes you think the purchaser gets your address?  They don't get any of your info.

I would guess your address posts on their credit report with the card.

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So the added users does get your address?  Does anyone have concerns about that? 
What makes you think the purchaser gets your address?  They don't get any of your info.

I would guess your address posts on their credit report with the card.

I co-signed my son's auto loan. His loan shows up on my credit report, but his address doesn't.

Also, because this is a good account, my credit score has gone up a little.

Optimiser

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I was feeling left out, but I just got my first add today! Thanks ARS!

tj

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So the added users does get your address?  Does anyone have concerns about that? 
What makes you think the purchaser gets your address?  They don't get any of your info.

I would guess your address posts on their credit report with the card.

I co-signed my son's auto loan. His loan shows up on my credit report, but his address doesn't.

Also, because this is a good account, my credit score has gone up a little.

That's different. When you add an authorized user and you don't add their address, as some of these issuers do, it seems the AU card uses your address by default? I could be wrong though.

dragoncar

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But wondering if others have noticed this? The other card I sell regularly on (Discover) asks for SSN online and I've never had a Discover sale fall through.

I finally got an add on Discover, but the web site won't take the address line, even though it seems to be valid.  Hoping they know what the problem is, but just curious to see if anyone else has hit this issue.

arebelspy

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So the added users does get your address?  Does anyone have concerns about that?  Also I added a $40000+ card.  I sent an email for the payout.  Is it negotiable?

Nope, no concerns. Maybe a little negotiable, depending on the card. Can't hurt to ask, I suppose?

Yep! Easy enough. Asked to verify who I was and then just asked to verify that I had added the AUs.

Awesome, thanks for confirming. :)

Quick update. I sent a secure message to confirm my second AU was added properly and after I provided all of their information, including SSN, Citi notified me the add was successful and sure enough both AUs are listed online.

Cool, worth checking on that to make sure.

You get paid about 2 months after the adds. So, I'd only expect the payment to happen around now.

They're right, they should have been paid last week.  It has not happened yet.  =/

Yep, with both old company and new company.  I give my SSN freely to banks, doctors, etc.; just not to the nice people who call from Microsoft and the IRS ;-).  See the bolded part above.  I really do little to nothing to prevent identity theft, so perhaps this is my comeuppance.

I'm the same way.  Have had 1-2 CCs frozen over the last decade or so, which has cost me maybe.. an hour or two of hassle?  IMO much less than worrying about id theft (and, from what I've seen, plenty of people who worry about it experience it anyways).  Have some semi-regular monitoring of your credit so you see if any shenanigans happen, but consumer protections are pretty good--you typically aren't responsible for any fraud you didn't commit.

I would guess your address posts on their credit report with the card.

I believe sometimes it does, sometimes it doesn't. I would always operate under the assumption that it could.  They have no other info about you, or the CC, besides the basic info purchased (limit, issuer, close, age).

I was feeling left out, but I just got my first add today! Thanks ARS!

Great!  :D


But wondering if others have noticed this? The other card I sell regularly on (Discover) asks for SSN online and I've never had a Discover sale fall through.

I finally got an add on Discover, but the web site won't take the address line, even though it seems to be valid.  Hoping they know what the problem is, but just curious to see if anyone else has hit this issue.

I got 2 Discover adds this month, one worked perfectly, the other it rejected the address. I had to call and add that one (ugh), but that worked fine, the rep was able to add them w/ the address (I just called and said I was trying to add the AU online, but it rejected the address, and gave the rep all the same info).

That's the first time it's happened that it rejected the address and I couldn't tweak it to work (e.g. change a "#" to "APT" or something of that nature)--everything I tried was rejected, so I had to call, but that did work.
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