Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig

[arebelspy]

Is the 2-year age a hard and fast minimum?  I have a few 18-month old cards, including Duscover with $19k limit.

It is not; they take cards that are only a year old if they have very high limits, or very old cards even with low limits.

[Car Jack]

Don't miss the fact that this new offer accepts BoA.  (and Chase)  Although my BoA cards aren't old enough yet, I took the first step to prepare one of them.  I have 4 BoA cards.  I killed one that I only opened for the sign on bonus (come to think of it, all 4 would qualify the same way) and while I was there asked about moving the credit limit from one of the remaining cards to another.  BoA has 2 kinds of cards.  Some that are theirs, so they can slide credit limits from one to another and some that they just service and can't take the CL to put on another card.  For example, I killed the MLB card, which is a serviced card, so the CL could not be applied elsewhere.  AAA, Cash Rewards and Travel Rewards are all BoA cards, so it is possible to take most of the CL from AAA and move it to Cash Rewards.  Then take some of the CL from Travel Rewards and move it to Cash Rewards.  You don't need to cancel a card to take "some" of the credit limit and slide it to another card.  Note that the CSR has to try to do this.  It's not something they can see in advance.

[katsiki]

FYI, Barclays AU limit (if it exists) must be more than 36 AU's.  I had asked earlier in the thread and others mentioned or asked as well.  If I hit a limit, I will post again.

Happy 4th, yall!  :)

Closer to 50 ime

Sent from my Redmi 5 Plus using Tapatalk

I may have hit the limit on AUs for one of my Barclays cards.  The web site acted weird for a couple of days when I tried to add my last AU.  I have had this happen before one day but the next day it would work fine. 

I tried to do a product change through their messaging system and they told me there were no cards to convert to.  Someone mentioned a product change previously in the thread when you hit the limit.  Does anyone know how to do this successfully with Barclays?  Should I call and ask the same question?

@hay_otsuka Any ideas?  Thanks...

[enalynom]

I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

[robartsd]

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Why would someone spend money boosting the credit score of a stolen identity?

[flashflooder]

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Why would someone spend money boosting the credit score of a stolen identity?

So they can then go on to abuse it?

[charuhans]

I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Really strange. Just imagining the conversation between the AU and Citi -- I have a credit card on my CR of which I can only give you the last 4 digits. I don't have any such credit card could you tell me how it got there? And Citi then gave her all the information about the Primary Cardholder so she can verify if it sounds alright. She would not see any of the primary cardholder's information on her CR. Sometimes the address might show up on her CR but it usually takes a couple of cycles. I'm wondering if this is part of some other elaborate scheme. It's a jungle out there ...

[I_want_to_make_a_million]

I'm having my first real problem with a tradeline. This is with the old company.

After my information showed up on her credit report, one of my AUs called Citi and told them that they didn't know me. Citi put a fraud alert on my account. I called in and verified the names of the AUs and then they told me what happened. I wasn't sure what to do on the call, so I told them that I'd get back to them. I've got an email in to the tradeline company to see how to handle this.

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Really strange. Just imagining the conversation between the AU and Citi -- I have a credit card on my CR of which I can only give you the last 4 digits. I don't have any such credit card could you tell me how it got there? And Citi then gave her all the information about the Primary Cardholder so she can verify if it sounds alright. She would not see any of the primary cardholder's information on her CR. Sometimes the address might show up on her CR but it usually takes a couple of cycles. I'm wondering if this is part of some other elaborate scheme. It's a jungle out there ...

You would think the bank would be more careful with your information but I suppose once a person is an authorized user on your card, they are entitled into that info because we are supposed to know them.

[frozen]

I assume either one of two things is going on
1. Someone stole the person's identity and was using the tradeline to boost her credit score. She caught it and is trying to clean up the mess.
2. She signed up for the tradeline without understanding how it worked. Then she freaked out when she saw a stranger on her report.

I'm expecting #1 to be the case, but hoping for #2.

Why would someone spend money boosting the credit score of a stolen identity?

Do some research on synthetic identities. We have discussed it on this thread before. This is the reason you want to use a good tradeline company that verifies authorized users are real people.

[Padonak]

Is there a way to easily check whether the identity is synthetic or at least look for potential signs? For example, if SSN was issued around the same year as the AU's birthday or one or two years after, could it still be a synthetic identity?

[enalynom]

This went much smoother than I expected.

Leslie from the old tradeline company contacted the AU. The AU said that they saw it on their credit report, assumed it was fraudulent, and tried to remove themselves from the card. She said that it didn't seem like the AU fully understood how the tradeline process worked.

I doubt there is anything a tradeline company can do to prevent something like this from happening. She didn't say whether something like this had happened before, but she said it is very uncommon. This is how they've handled it.
"contacting the lenders is strictly against our policy and voids their contract...we have a 0 tolerance policy...They will not receive any refunds or be able to place any future orders"

She's also going to put my Citi cards on hold for a couple of months to be safe.

Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it. The AU was added on 7/19, my statement closing date was 7/25, and it showed up on her credit report on or before 8/23. So it showed up after just one cycle. She said that she didn't think that Citi would give the AU my name, but that it is possible because of human error. She theorized that the fraud specialist meant that the AU didn't know what my name was, not that she didn't recognize my name. It's also possible that that's what they told me and I just misunderstood them. So either Citi didn't actually give the AU my name or they failed an unintentional social engineering test.  After the dust settles, I might call Citi back and try to get some answers about whether they gave the AU my name.

Leslie recommended that I just use the secure message to remove the AU instead of calling Citi. Since I knew what had happened, I decided to go ahead and call them. It didn't seem like just removing the AU would remove the alert and I figured I could talk my way through it. After answering all their questions they removed the fraud alert from my account. In case anyone else runs into a similar situation, this is what they asked me:
1. They asked more than the normal amount of questions to verify who I was. Including questions about my other Citi card that wasn't involved in the "fraud".
2. Why did I end the call the previous day? - I explained that I wanted to contact the AU about it
3. What is my relationship with the AU? - Business Associate
4. Why didn't the AU didn't know who I was ?- I basically said "I don't know" and the fraud specialist laughed it off.

Can you remove an authorized user from Citi via secure message? Has anyone tried and succeeded in it? Thanks.

Coincidentally, the old company addressed this during our communication. If this is correct, then using a secure message should work to remove a tradeline for any issuer.
"All I would advise you to do is to email Citibank using their secure email function in your Citibank portal asking them to remove the AU from your account. There's an example of removing an AU online in the attached Adding AUs pdf. Due to ADA regulations, bank issuers have to accept secure messages the same way they would accept phone calls"

[topshot]

Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it.

It is certainly possible to get your name from a home address. I'm surprised you've never tried that before. Very easy if the locality has a GIS portal tied to Recorder's Office records. It's public information after all. Now if you bought the house via a trust, corporation or some other legal entity, that's an extra level they'd have to dig.

[arebelspy]

This went much smoother than I expected.

Thanks for the update!

Really weird behavior by the AU.

Likely they were cleaning up their credit report trying to boost their score, added a tradeline at the same time, then saw the new address hit (maybe got an alert from a monitoring company) and went "gotta remove that!" without registering it was the tradeline they bought. Maybe not understanding how the tradeline worked or would bump their score.

I think I recall that happening once before to someone (maybe in the first thread?), but it does seem very rare.

[enalynom]

Leslie assured me that there was no way for the AU to get my name from the tradeline company or the credit report. The credit report would only show the credit card issuer and possibly the card holder's address. She was able to check the AU's Experian credit report and my address is on it.

It is certainly possible to get your name from a home address. I'm surprised you've never tried that before. Very easy if the locality has a GIS portal tied to Recorder's Office records. It's public information after all. Now if you bought the house via a trust, corporation or some other legal entity, that's an extra level they'd have to dig.

I hadn't thought about that, but you're right. My name is easy to find by searching for my address on my county's property value assessment site.

[ThatGuy]

If you want to find a persons name from an address here is an easy way to do it.

https://www.truepeoplesearch.com/

[Padonak]

If you want to find a persons name from an address here is an easy way to do it.

https://www.truepeoplesearch.com/

Thank you for this link.  BTW you can submit a removal request if you don't want your name to be found using an address or phone number. I did it for myself, will see how it goes.

Of course, i'm sure there are other sources people can use to look up this information.

[threepacballer]

I just got three new add's from new company. Two on my Discover and one from Chase.

Question on Chase card. I added via the website. There was no place for SS#. I got an email from Chase fraud that it was added and to call if I did not. Since they don't have social how do they give history to that person or do I have to call to add that?

On my Discover adds the website would not take their addresses so I had to call. One was added immediately and they said they would get back to me on the other once they verify the person.

Thanks!

[secondcor521]

Question on Chase card. I added via the website. There was no place for SS#. I got an email from Chase fraud that it was added and to call if I did not. Since they don't have social how do they give history to that person or do I have to call to add that?

No need to call.  They should be able to match it to the AU via name, DOB, and AU address.

[hgjjgkj]

Does anyone have info on the old company? I would like to try some cards there. I think they ran a promotion a few months back

[arebelspy]

Does anyone have info on the old company? I would like to try some cards there. I think they ran a promotion a few months back

PM sent.

Reminder, if anyone is wanting info on the TL companies I recommend (or don't), or have any other questions, feel free to Click Here To Send Me a PM

Latest info was posted here:

Old tradeline company is looking for cards with high limits (over 20k, at least 5 years old) or very old (over 8 years, any limit).

Companies: Discover, Barclays, US Bank, PNC, Capital One, USAA, NFCU, Bank of America, Chase

If you have a very old/high limit card (45k+, 8+ years old), they're offering a $200 signup bonus right now (actually a referral bonus, but if you use my signup info they'll send it to you when your first AU payment posts).

Overall, nothing's changed on my recommendations; I'd be using new company on cards that are 2+ years, 5k+ limits, or old company on 10k+/5+yr cards.

I continue to look into other companies, and check in with ones I've looked into before, to see if anything has changed and I can recommend them, but for now, still just these two. :)

The signup bonus with old company right now as mentioned there is for very old/very high limit cards if you use my referral.

Even if you don't get a signup bonus though, if you have cards that can do AU sales, well worth enrolling them with one of those companies, IMO. :)

[katsiki]

Can anyone advise me on Elan cards?  I added an AU by phone and it did not work.  They took SSN but I was confused by their handling of cards...  Should I supply the AU's address over the phone?  If so, how do I stop the card from going to that address?  Elan's process is a bit behind some of the other companies, it seems to me. 

Thanks for any info!

[arebelspy]

When you add an AU's address, the card should not be sent to them. You should always confirm this with the customer support person (that the card will be mailed to you), but this is standard practice.

[katsiki]

When you add an AU's address, the card should not be sent to them. You should always confirm this with the customer support person (that the card will be mailed to you), but this is standard practice.

Thanks!  The Elan web site had some strange warnings on their AU screen that I probably took too seriously. 

[Cries]

Can anyone advise me on Elan cards?  I added an AU by phone and it did not work.  They took SSN but I was confused by their handling of cards...  Should I supply the AU's address over the phone?  If so, how do I stop the card from going to that address?  Elan's process is a bit behind some of the other companies, it seems to me. 

Thanks for any info!

Were you able to successfully add the AU? 

I just added my Fidelity/Elan card.  New Company was wary of the Fidelity card possibly not working.

[katsiki]

Can anyone advise me on Elan cards?  I added an AU by phone and it did not work.  They took SSN but I was confused by their handling of cards...  Should I supply the AU's address over the phone?  If so, how do I stop the card from going to that address?  Elan's process is a bit behind some of the other companies, it seems to me. 

Thanks for any info!

Were you able to successfully add the AU? 

I just added my Fidelity/Elan card.  New Company was wary of the Fidelity card possibly not working.

Sorry but this was about 2 weeks ago, so I missed out on the "sale".  I think it did work but didn't post due to address.  I wasn't focused on address since they took the AU's SSN.  Next time, I will give both and stipulate the card should be sent to me.

I am with "old" company but the same rules should apply.  Mine is also the Fidelity card.

Good luck

[Mesmoiselle]

You know that story a couple pages ago where a Tradeline Customer got their own tradeline closed by calling and asking about it, thinking it was fraud?

And there I was, rolling my eyes, thinking "wow, people are so dumb."

Well, my brother gets to join the "wow, people are so dumb" group. Because he called the CC company to inquire about this "card he thought he'd closed nearly a decade ago." Ya know, the one I'd added him onto and given details about how it worked and why I was interested in getting into Tradelines. yep, that one.

HE says that the folks on the phone marked it as Fraud and informed him the card issued was turned off and they'd be sending a new one to my address.

I haven't heard a peep from my CC issuer about any of it. No email or phone call. I guess we'll see if I get a new card in the mail with his name on it.

[arebelspy]

Bahaha. Makes for a good story to rib your brother about at least.  :D

I'm definitely interested to hear if you hear from the CC company, or a new card arrives. Update us either way in a few weeks, please.  :)

[SilverAg47]

I attempted to add my first Barclay AU online, but I noticed that my psychical address was slightly inaccurate, so I fixed that first to make sure the card would be sent correctly to me.  That update locked me out of adding an AU online, so I had to call in.  The call went fine, but I did have the agent ask me if the person was a U.S. Citizen.  I said Yeah.  I later discovered on page 25 of this thread that this was brought up and ARS stated the New company only deals with U.S. Citizens.  Just curious, does the same hold true with the Old company?

[arebelspy]

Yep.

[hgjjgkj]

I didn't want to keep blowing up Joe's inbox. For Chase cards, if you are caught they close all of your cards, do they also ban you from opening cards in the future or no?

I think as a churner, I probably will never be able to get another chase card anyway due to 5/24 (I currently have 3). So i think my best play is to transfer out all my reward points, or use them all. Then sell AUs until I get caught. Does this sound like the best course?

[Percolate]

So I've generally tried to keep things simple and I've only had one credit card for the past 7 years, but never had a late payment and a good credit score. New to the forum and just learned about this and if I can leverage my existing behavior into mostly passive income, I'm pretty interested. I don't want to use my main credit card since I've read Chase can come down on you pretty hard if caught but I'm willing to be patient. If I'd like to open a credit card (or multiple ones) and wait the years necessary for them to be usable on this, which credit cards would be best? Or are any of the eleven issuers listed in the first post equally good still?

[arebelspy]

I didn't want to keep blowing up Joe's inbox.

It's fine. PMs are easy to respond to.

For Chase cards, if you are caught they close all of your cards, do they also ban you from opening cards in the future or no?

Yep, Chase will blacklist you. They are the only company, currently that we know of, that does that. The other companies just close the one card but don't close the other ones or prevent you from opening more.

I think as a churner, I probably will never be able to get another chase card anyway due to 5/24 (I currently have 3). So i think my best play is to transfer out all my reward points, or use them all. Then sell AUs until I get caught. Does this sound like the best course?

If you don't care about burning your Chase cards/relationship, sure. Spend or transfer the points, then add AUs. I'd try to still keep it only to like 2 AUs per 4 months, to stretch it as long as possible, but do whatever the TL companies will let you and you're comfortable with. :)

[arebelspy]

So I've generally tried to keep things simple and I've only had one credit card for the past 7 years, but never had a late payment and a good credit score. New to the forum and just learned about this and if I can leverage my existing behavior into mostly passive income, I'm pretty interested. I don't want to use my main credit card since I've read Chase can come down on you pretty hard if caught but I'm willing to be patient. If I'd like to open a credit card (or multiple ones) and wait the years necessary for them to be usable on this, which credit cards would be best? Or are any of the eleven issuers listed in the first post equally good still?

IMO, Barclays. All adds/removes online, never seem to shut anyone down. They do have a hard cap, but you get a lot of sales before that happens.

[Percolate]

So I've generally tried to keep things simple and I've only had one credit card for the past 7 years, but never had a late payment and a good credit score. New to the forum and just learned about this and if I can leverage my existing behavior into mostly passive income, I'm pretty interested. I don't want to use my main credit card since I've read Chase can come down on you pretty hard if caught but I'm willing to be patient. If I'd like to open a credit card (or multiple ones) and wait the years necessary for them to be usable on this, which credit cards would be best? Or are any of the eleven issuers listed in the first post equally good still?

IMO, Barclays. All adds/removes online, never seem to shut anyone down. They do have a hard cap, but you get a lot of sales before that happens.

Thanks, I'll check it out! To clarify, by hard cap, you mean there's a limit to the total number of authorized users that can be added over the lifetime of the card?

[arebelspy]

Yeah. It's not exactly known, but somewhere between 35-50? After that, they just won't let you add any more. But they don't shut down the card even then.

[hgjjgkj]

Yeah. It's not exactly known, but somewhere between 35-50? After that, they just won't let you add any more. But they don't shut down the card even then.

35-50 for the life of the card?

or 35-50 added to the card at once?

[katsiki]

Barclays told me I hit the max this week.  I have added between 35-40 AU's.  Not sure of the exact # as I had previously added a couple of family members.

The rep quoted 25 as the limit but I know I exceeded that.

It was my best seller...  So sad.

[arebelspy]

Yeah. It's not exactly known, but somewhere between 35-50? After that, they just won't let you add any more. But they don't shut down the card even then.

35-50 for the life of the card?

or 35-50 added to the card at once?

Lifetime. You won't have more than 3-5 at a time, and probably more like 2.

[hay_otsuka]

Barclays told me I hit the max this week.  I have added between 35-40 AU's.  Not sure of the exact # as I had previously added a couple of family members.

The rep quoted 25 as the limit but I know I exceeded that.

It was my best seller...  So sad.

If you can get them to upgrade or downgrade you eg arrival to plus it sometimes resets ime

Sent from my Redmi 5 Plus using Tapatalk

[HBFIRE]

so lesson is, open as many barclays cards as you can :)

[ducky19]

Absolutely! I don't know if it's the fact that they are a British bank and could give two fucks about the tradeline industry or what, but I've definitely never had an issue with them. They are by far the easiest to add/remove users and they always post.

I've got 4 Barclay cards myself and 1 in Mrs. Ducky19's name. Three of mine are generating good sales and just starting to see sales on her card. I opened the last one just recently - it's the Uber card. I don't use Uber, but it had a $100 cash back after $500 spend and no annual fee, so I figured it would be a good one for tradelines. Definitely try to get as many Barclay cards as possible for tradeline sales, double up with a spouse if you can!

[katsiki]

Barclays told me I hit the max this week.  I have added between 35-40 AU's.  Not sure of the exact # as I had previously added a couple of family members.

The rep quoted 25 as the limit but I know I exceeded that.

It was my best seller...  So sad.

If you can get them to upgrade or downgrade you eg arrival to plus it sometimes resets ime

Sent from my Redmi 5 Plus using Tapatalk

Thanks.  I tried to do that or product change.  Unfortunately, this card had no options to change to.

[secondcor521]

Absolutely! I don't know if it's the fact that they are a British bank and could give two fucks about the tradeline industry or what, but I've definitely never had an issue with them. They are by far the easiest to add/remove users and they always post.

I've got 4 Barclay cards myself and 1 in Mrs. Ducky19's name. Three of mine are generating good sales and just starting to see sales on her card. I opened the last one just recently - it's the Uber card. I don't use Uber, but it had a $100 cash back after $500 spend and no annual fee, so I figured it would be a good one for tradelines. Definitely try to get as many Barclay cards as possible for tradeline sales, double up with a spouse if you can!

I must be the odd man out data-point wise, but Barclay's has had me locked out of my account with them after adding an AU with New Company.  I had only added seven AUs to that Barclay's card.

The AU's are ready to come off and I've tried to call them but they don't answer the phone when I call.

[katsiki]

@secondcor521  Are you calling the # on the back of your card?  They are 24/7 and should answer.

[secondcor521]

@secondcor521  Are you calling the # on the back of your card?  They are 24/7 and should answer.

Yes, and the automated system answers my call.  But I put in the last four of my card and my birthdate, and I'm calling from my own phone number.  When I do that I think it is automatically routing my card to the fraud division, which is apparently not open 24/7.

[therethere]

I thought you couldn't get tradelines for cards <2 years. Are you just opening cards two years early in anticipation of putting them up for tradelines later?

[HBFIRE]

I thought you couldn't get tradelines for cards <2 years. Are you just opening cards two years early in anticipation of putting them up for tradelines later?

Yeah, I did this.  I only have 1 barclays card i can use for tradelines unfortunately.  So this year I picked up a couple more, will probably open a couple more by end of year, and next year is my wife's year to churn, so after getting some chase cards will have her get some barclays too.

[lexde]

@arebelspy — finally got my referral from you (last cycle didn’t post properly) so thanks again for the free cash.

2x citi paid out $75 each. Did have to call to add the AUs. Easy $300.00.

[arebelspy]

@secondcor521  Are you calling the # on the back of your card?  They are 24/7 and should answer.

Yes, and the automated system answers my call.  But I put in the last four of my card and my birthdate, and I'm calling from my own phone number.  When I do that I think it is automatically routing my card to the fraud division, which is apparently not open 24/7.

Really weird. First that Barclay's restricted, and second that you can't get ahold of them. I'll be curious what happens if/when you eventually do.

I thought you couldn't get tradelines for cards <2 years. Are you just opening cards two years early in anticipation of putting them up for tradelines later?

Yes, people are.

I first posted about TLs here just over two years ago, and some cards opened then are now two years old. Others are still opening now for potential future use. The "new" TL company has been in business 10 or 11 years now, and the "old" one for 6 or 7... so it doesn't seem like this is going to disappear overnight.

Also, the TL companies will take younger cards if they have a very large credit limit. So there are people with cards only a year old enrolled and getting sales.

@arebelspy — finally got my referral from you (last cycle didn’t post properly) so thanks again for the free cash.

2x citi paid out $75 each. Did have to call to add the AUs. Easy $300.00.

Awesome! Every little bit to throw at the student loans helps. :D

[frugalnacho]

ETA:  But this does seem to indicate that the removal notices are either not fully automated or are not perfectly processed.  I think this is the second time I've had to ask about removing with New Company when the AU had been on a longer time that I thought.  I do know that I have an AU on one of my cards that they're wanting me to leave on for longer because of an ongoing audit...IIRC that is one with USBank.

Yeah, that's really weird. I've always gotten notified when it's time to remove an AU. I wonder if they turned off notifications for removal for you because of that one or something?

Maybe.  To be clear, I think I have been notified to remove AU's by automatic portal email in the past.  But it's not 100% of the time, which is odd but instructive.  :shrug:

I got email notification of the first couple, but it seems like they've turned that feature off.  Now I have to note the removal date and set myself a reminder.


What happens if you don't charge anything on a card during the billing period? I don't regularly use one of my cards so I set a reminder to charge one thing to it, then schedule payment for the due date. Billing cycle just ended so I went to schedule payment and apparently I fucked up and didn't make a charge this month because my balance is $0. So that card won't report anything? How does this affect the tradeline?

Looks like it ended up posting.  Looks like payment already landed in my bank account too, which is surprisingly fast.  Unless that was an old payment coming through, I haven't been keeping a very close eye on my accounts or reconciling anything so it might be from a previous one.