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

[tj]

From some random commenter on RootofGood who uses old company-

FYI I tried the [...] tl sales and the user I added somehow redeemed and stole hundreds of dollars worth chase points that I had connected to the account. I’m trying to get the chase points reinstated but it seems like its going to be hard to do since it happened a few months ago and I didn’t catch it right away. I also never got the money for adding them as an authorized user too since they claimed that my account wasn’t showing up on their credit report. Has anything like this happened to you?

I don't see how that could be possible.

[secondcor521]

How many slots does everyone have open per card? Is there a time length you have to be with good company before you can currently have more slots/spots? All of mine are at 2 except for my Discover.

I just default to the Good Company's recommendations.

You can do more slots if you want, but I think Good Company will warn you that you are taking on more risk.

I don't think there is a time limit to more slots; just what you choose to do.

[Padonak]

From some random commenter on RootofGood who uses old company-

FYI I tried the [...] tl sales and the user I added somehow redeemed and stole hundreds of dollars worth chase points that I had connected to the account. I’m trying to get the chase points reinstated but it seems like its going to be hard to do since it happened a few months ago and I didn’t catch it right away. I also never got the money for adding them as an authorized user too since they claimed that my account wasn’t showing up on their credit report. Has anything like this happened to you?

I don't see how that could be possible.

If it was the Root of Good himself, I would be a lot more concerned, but some random person? Even if they're telling the truth, they say they didn't catch it right away. So if they're so sloppy when it comes to tracking their points, how do we know that it was that specific AU? Maybe they had added someone else a long time ago (like one of their kids) and forgot about that too? In any case, I dont keep significant amounts credit card points with the cards or issuers i'm using for TLs. Not because I'm afraid of random AUs somehow stealing them but because i know that these cards could get shut down without warning.

[beekayworld]

From some random commenter on RootofGood who uses old company-

FYI I tried the [...]  I also never got the money for adding them as an authorized user too since they claimed that my account wasn’t showing up on their credit report.

I don't see how that could be possible.

The two companies recommended here access the AU's credit report themselves for verification. They don't take a user's claim that the line didn't show up.

The phrasing that the user "claimed" is a red flag to me that this post is not truthful.  The company would have stated that the line didn't show up and would send the CC holder a copy of the credit report.

[Car Jack]

Over the years, I've had a number of "no post" claims.  In some cases, I go in and sure enough, no AU.  In others, I send a screen shot showing the AU, and a picture of the credit card I got with the AU's name.

[MoneyTree]

a card posting to the Credit Bureaus and showing up in your bank's online account are two different things.

You can add an authorized user to your account, receive a card for them, but that doesn't necessarily mean that the line has been added to their credit report.

[secondcor521]

Over the years, I've had a number of "no post" claims.  In some cases, I go in and sure enough, no AU.  In others, I send a screen shot showing the AU, and a picture of the credit card I got with the AU's name.

I had a weird one about a month ago where I added the AU, received their card in the mail, saw their name in my online account, but the card still didn't post to their credit bureau accounts.  It was Chase, and the card only closed with a $5 balance (see previous discussion on this point).  First and only time that happened - other non-postings were always something weird happening.

[Michael in ABQ]

Just passed my 2023 earnings. Still getting a few sales here and there with the old/good company but I moved a couple of cards - including a Capital One card - to a different TL company and they're consistently selling 2-3 slots every cycle at basically the same rate per slot.

[tj]

Just passed my 2023 earnings. Still getting a few sales here and there with the old/good company but I moved a couple of cards - including a Capital One card - to a different TL company and they're consistently selling 2-3 slots every cycle at basically the same rate per slot.

how did you find a different company?

[secondcor521]

Just passed my 2023 earnings.

Me too.  2023 was the worst year in my piggybacking history.  2024 is on track to be similar to 2022 (and 2020).

[firelyve]

Late to the dance, but I'm going to experiment with Trade Lines.  First off, thanks to Joe (areblespy) for starting this threat and connecting me with 2 companies.  For anyone else contemplating or new to this endeavor, maybe this can help with where things stand for someone new to start like me mid-2024.  I just think of all the years I've missed this and can only say oh well, better late than never!!

I've reached out the the 'old' and 'new' companies suggested and both responded within a day.  The old company said their enrollment was closed, but I should still send them what cards I wanted to use (card name, issuer, limit, and opened date).  I sent 2 today and I'll see if they are interested.  The new company had the additional requirement of having me run a credit report for the cards I want to use with them.  I'll see if the old company uses my 2 cards.  If they're not interested, I'll sent those cards plus 3-4 more to the new company.

Not reading every single page of this string, I was a little disappointed that so many issuers weren't accepted by either the old or new company. 

The old company currently uses the following issuers at this time: Alliant CU, Bank of America, Barclays, Chase, Discover, Elan/Fidelity, Huntington Bank, PNC, US Bank. 

The new company is accepting:  Bank of America, Barclays, Capital One, Chase, Citi, Discover, PNC and US Bank. 

For me, this leaves the following issuers not covered:

Amex
Marcus/Goldman Sachs
Synchrony
TD Bank
Wells Fargo

I see that there was a post about Wells Fargo being used by another MMM member recently (moneytree), so I'll PM them.  If anyone has good experience with a TL company that uses Amex, Marcus/GS, Synchrony, or TD Bank, please PM me. 

Hope this helps others, and I'll report back as things progress.


 

[arebelspy]

Late to the dance, but I'm going to experiment with Trade Lines.  First off, thanks to Joe (areblespy) for starting this threat and connecting me with 2 companies.  For anyone else contemplating or new to this endeavor, maybe this can help with where things stand for someone new to start like me mid-2024.  I just think of all the years I've missed this and can only say oh well, better late than never!!

I've reached out the the 'old' and 'new' companies suggested and both responded within a day.  The old company said their enrollment was closed, but I should still send them what cards I wanted to use (card name, issuer, limit, and opened date).  I sent 2 today and I'll see if they are interested.  The new company had the additional requirement of having me run a credit report for the cards I want to use with them.  I'll see if the old company uses my 2 cards.  If they're not interested, I'll sent those cards plus 3-4 more to the new company.

Not reading every single page of this string, I was a little disappointed that so many issuers weren't accepted by either the old or new company. 

The old company currently uses the following issuers at this time: Alliant CU, Bank of America, Barclays, Chase, Discover, Elan/Fidelity, Huntington Bank, PNC, US Bank. 

The new company is accepting:  Bank of America, Barclays, Capital One, Chase, Citi, Discover, PNC and US Bank. 

For me, this leaves the following issuers not covered:

Amex
Marcus/Goldman Sachs
Synchrony
TD Bank
Wells Fargo

I see that there was a post about Wells Fargo being used by another MMM member recently (moneytree), so I'll PM them.  If anyone has good experience with a TL company that uses Amex, Marcus/GS, Synchrony, or TD Bank, please PM me. 

Hope this helps others, and I'll report back as things progress.

Thanks for sharing. Current, up to date info/experiences is always useful. Added this info to the OP.

Cheers!

[secondcor521]

For me, this leaves the following issuers not covered:

Amex
Marcus/Goldman Sachs
Synchrony
TD Bank
Wells Fargo

Many TL companies won't use AMEX because they don't post "correctly" to the AU's credit report - they typically report with an open date of when they AU was added, not when the TL was opened.  The young age can hurt the AU more than it helps.  Also, some AMEX cards don't have limits and thus don't report limits, which is also problematic.

I don't know about Marcus/GS.  You can ask Good Company (aka Old Company) if they'll let you experiment with Marcus/GS.  If things go well Good Company may add Marcus/GS as a supported issuer.  (That's how Alliant CU got supported.)

Good Company supports CareCredit by Synchrony.

Good Company supports Target card by TD Bank.

[Nutty]

Good Company no longer supports TD Bank Target card or CareCredit nor any Synchrony cards.  If yours was in the program, they might have left it available.  Their list of acceptable cards is updated.

The pool of acceptable cards is shrinking so if more cards are accepted, that would be wonderful.

Speaking of which, time to apply for another card.  Barclays rejected me for the 3rd card so I'll look around.

[secondcor521]

Good Company no longer supports TD Bank Target card or CareCredit nor any Synchrony cards.  If yours was in the program, they might have left it available.  Their list of acceptable cards is updated.

The pool of acceptable cards is shrinking so if more cards are accepted, that would be wonderful.

Speaking of which, time to apply for another card.  Barclays rejected me for the 3rd card so I'll look around.

Thanks for the updates.  I neglected to mention that my information may have been (and apparently was) dated.

I guess I can let my sweet "5% discount on all Target purchases" card go.

[Reddart67]

Speaking of which, time to apply for another card.  Barclays rejected me for the 3rd card so I'll look around.

Interestingly, I was recently rejected applying for a Capitol One card, the reason given for the rejection was “number of Tradeline’s opened in a short period of time”

[katsiki]

(That's how Alliant CU got supported.)

@secondcor521 and others: any feedback on your experience selling spots on your Alliant CU credit card?  I know they are prone to shut members down who appear to only use them as a transfer hub.  I wonder if they similarly pay attention to the credit card.

[secondcor521]

(That's how Alliant CU got supported.)

@secondcor521 and others: any feedback on your experience selling spots on your Alliant CU credit card?  I know they are prone to shut members down who appear to only use them as a transfer hub.  I wonder if they similarly pay attention to the credit card.

I've sold 18 slots on my Alliant card since the beginning of 2022.  A very nice Alliant CSR told me their rules:  No more than 4 AUs at a time, no lifetime maximum, call in to add and remove.

Since I was the test subject for Good Company and I had one of my kids on the card as an AU, we started off slow with 1 slot.  Over the past two years I've increased it to 3 slots and removed my kid as AU.  It's two credit cycles per AU.

Calling in to add and remove isn't ideal (I prefer online add and remove via a website if possible or message is second best), but it's workable for me.

Alliant CSRs really don't seem to care.  I haven't gotten shut down yet, but who knows if that will continue or not.

I should say they mostly don't seem to care.  It does seem that when I have two or three on there that the CSRs notice and make mention of it.  But it seems more like their reaction is just one of surprise at seeing an unusual number of AUs on the card and not one where they're going to turn me in to the AU police.

Their "remove" process is a bit clunky - I call in and ask for the AU to be removed, and the CSR apparently has to fill out a form and send it to some other department and they say the removal will happen in a day or two.  They have all been removed like clockwork, though, without problems.

Of course it's possible if a bunch of us start getting their card and piggybacking AUs that someone there will notice and crack down.  Who knows what their tolerance level might be.

I don't use them as a transfer hub for banking.

[frugalnacho]

Good Company no longer supports TD Bank Target card or CareCredit nor any Synchrony cards.  If yours was in the program, they might have left it available.  Their list of acceptable cards is updated.

The pool of acceptable cards is shrinking so if more cards are accepted, that would be wonderful.

Speaking of which, time to apply for another card.  Barclays rejected me for the 3rd card so I'll look around.

I had a care credit synchrony card in their system, but it's not been in the system for awhile (like 2 years now?).  There were legitimate issues with it posting properly, probably why they stopped them.  It was good while it lasted.

[Padonak]

Good Company supports CareCredit by Synchrony.

Are you sure they accept CareCredit? Because I emailed them about mine about a year ago and they said they didn't accept it due to posting issues.

[secondcor521]

Good Company supports CareCredit by Synchrony.

Are you sure they accept CareCredit? Because I emailed them about mine about a year ago and they said they didn't accept it due to posting issues.

See the post five posts above yours:

https://forum.mrmoneymustache.com/share-your-badassity/selling-tradelines-piggybacking-part-ii-$1000hr-20-40kyr-side-gig/msg3282810/#msg3282810

[Padonak]

Does any TL company accept CareCredit?

[tj]

Does any TL company accept CareCredit?

Wasn't this just asked and answered in the two comments immediately above yours?

[secondcor521]

Does any TL company accept CareCredit?

Wasn't this just asked and answered in the two comments immediately above yours?

The question asked is if *any TL company* accepts CareCredit.  The recent posts just confirmed that *Good Company* does not accept CareCredit.

@Padonak, I don't know.  I only use Good Company any more.

[katsiki]

(That's how Alliant CU got supported.)

@secondcor521 and others: any feedback on your experience selling spots on your Alliant CU credit card?  I know they are prone to shut members down who appear to only use them as a transfer hub.  I wonder if they similarly pay attention to the credit card.

I've sold 18 slots on my Alliant card since the beginning of 2022.  A very nice Alliant CSR told me their rules:  No more than 4 AUs at a time, no lifetime maximum, call in to add and remove.

Since I was the test subject for Good Company and I had one of my kids on the card as an AU, we started off slow with 1 slot.  Over the past two years I've increased it to 3 slots and removed my kid as AU.  It's two credit cycles per AU.

Calling in to add and remove isn't ideal (I prefer online add and remove via a website if possible or message is second best), but it's workable for me.

Alliant CSRs really don't seem to care.  I haven't gotten shut down yet, but who knows if that will continue or not.

I should say they mostly don't seem to care.  It does seem that when I have two or three on there that the CSRs notice and make mention of it.  But it seems more like their reaction is just one of surprise at seeing an unusual number of AUs on the card and not one where they're going to turn me in to the AU police.

Their "remove" process is a bit clunky - I call in and ask for the AU to be removed, and the CSR apparently has to fill out a form and send it to some other department and they say the removal will happen in a day or two.  They have all been removed like clockwork, though, without problems.

Of course it's possible if a bunch of us start getting their card and piggybacking AUs that someone there will notice and crack down.  Who knows what their tolerance level might be.

I don't use them as a transfer hub for banking.

Thanks @secondcor521 - very helpful info!!

[UyEfQkt]

Just had my Chase cards closed. I've added 28 AU over 6 years to two different cards. The closed 3 credit card accounts. Chase said it is from not using the card as intended which was further explained that they don't allow manipulation of people's credit scores like I was doing.

Sad because those were my highest paying cards and my oldest card and I actually used the United benefits. This makes 5 cards I've lost. 3 Chase, 1 US Bank, and Capital One. Oh well, I've come out way ahead still.

All of these were with the Old / Good company following their guidelines.

[TheAgileCamel]

Just had my Chase cards closed. I've added 28 AU over 6 years to two different cards. The closed 3 credit card accounts. Chase said it is from not using the card as intended which was further explained that they don't allow manipulation of people's credit scores like I was doing.

Sad because those were my highest paying cards and my oldest card and I actually used the United benefits. This makes 5 cards I've lost. 3 Chase, 1 US Bank, and Capital One. Oh well, I've come out way ahead still.

All of these were with the Old / Good company following their guidelines.

Did you lose your points as well?

[Padonak]

Just had my Chase cards closed. I've added 28 AU over 6 years to two different cards. The closed 3 credit card accounts. Chase said it is from not using the card as intended which was further explained that they don't allow manipulation of people's credit scores like I was doing.

Chase also closed all my cards recently. Gave me the same reason (cards not used as intended). I didn't call them to ask for an explanation.

They give you a month to redeem UR points. Any partner points (like hotel points) are not affected because Chase doesn't keep or manage them, the partner does.

[Raj]

Just found this thread, it's honestly incredibly interesting if a little intimidating for the amount of research I know that I'm going to have to do before I'm comfortable doing it myself.

Like for starters the first and by far the most important question that I need to research, after having only read the first post, does this even apply in Canada? If it does, are there any changes if I'm in Ontario/Toronto, unlikely to say the least if it does accept Canada, but little details like that can often change things.

After that I need to do research on which companies would be reasonable, does anyone here have any Canadian recommendations if they exist? I'll need to do some independent research as well but not having to reinvent the wheel, is always welcome.

[tj]

Just found this thread, it's honestly incredibly interesting if a little intimidating for the amount of research I know that I'm going to have to do before I'm comfortable doing it myself.

Like for starters the first and by far the most important question that I need to research, after having only read the first post, does this even apply in Canada? If it does, are there any changes if I'm in Ontario/Toronto, unlikely to say the least if it does accept Canada, but little details like that can often change things.

After that I need to do research on which companies would be reasonable, does anyone here have any Canadian recommendations if they exist? I'll need to do some independent research as well but not having to reinvent the wheel, is always welcome.

This entire thread is about adding authorized users to American credit cards to boost American credit scores.

[Raj]

Just found this thread, it's honestly incredibly interesting if a little intimidating for the amount of research I know that I'm going to have to do before I'm comfortable doing it myself.

Like for starters the first and by far the most important question that I need to research, after having only read the first post, does this even apply in Canada? If it does, are there any changes if I'm in Ontario/Toronto, unlikely to say the least if it does accept Canada, but little details like that can often change things.

After that I need to do research on which companies would be reasonable, does anyone here have any Canadian recommendations if they exist? I'll need to do some independent research as well but not having to reinvent the wheel, is always welcome.

This entire thread is about adding authorized users to American credit cards to boost American credit scores.

Reasonable, especially since it might not be a thing in Canada at all, but assuming that it is does that mean there's a separate thread for Canada?

[tj]

Just found this thread, it's honestly incredibly interesting if a little intimidating for the amount of research I know that I'm going to have to do before I'm comfortable doing it myself.

Like for starters the first and by far the most important question that I need to research, after having only read the first post, does this even apply in Canada? If it does, are there any changes if I'm in Ontario/Toronto, unlikely to say the least if it does accept Canada, but little details like that can often change things.

After that I need to do research on which companies would be reasonable, does anyone here have any Canadian recommendations if they exist? I'll need to do some independent research as well but not having to reinvent the wheel, is always welcome.

This entire thread is about adding authorized users to American credit cards to boost American credit scores.

Reasonable, especially since it might not be a thing in Canada at all, but assuming that it is does that mean there's a separate thread for Canada?

I have no idea if "selling tradelines" is a thing in Canada or any other country. There certainly isn't a MMM thread, that I know of.

[UyEfQkt]

Just had my Chase cards closed....

Did you lose your points as well?

No, my only "points" are United miles which get credited monthly and I should get those. Worst case is I would lose a months worth. I would not keep any points on cards I'm selling tradelines on.

[elaine amj]

Just found this thread, it's honestly incredibly interesting if a little intimidating for the amount of research I know that I'm going to have to do before I'm comfortable doing it myself.

Like for starters the first and by far the most important question that I need to research, after having only read the first post, does this even apply in Canada? If it does, are there any changes if I'm in Ontario/Toronto, unlikely to say the least if it does accept Canada, but little details like that can often change things.

After that I need to do research on which companies would be reasonable, does anyone here have any Canadian recommendations if they exist? I'll need to do some independent research as well but not having to reinvent the wheel, is always welcome.

This entire thread is about adding authorized users to American credit cards to boost American credit scores.

Reasonable, especially since it might not be a thing in Canada at all, but assuming that it is does that mean there's a separate thread for Canada?

I have no idea if "selling tradelines" is a thing in Canada or any other country. There certainly isn't a MMM thread, that I know of.

It’s not a thing in Canada because being an AU doesn’t improve your credit score. It’s an American thing.

Which, by the way, I was surprised to see still going! We used to sell tradelines but eventually requests dried up from both companies and we never got around to pursuing it.


Sent from my iPhone using Tapatalk

[Monkey stache]

For those with USAA cards, you can now remove AUs in the app. Maybe this is old news but I just discovered it.

You can also technically add people in the app now but only family members which I wouldn't do since the AU company says to add them as a friend.

[MoseyingAlong]

For those with USAA cards, you can now remove AUs in the app. Maybe this is old news but I just discovered it.

You can also technically add people in the app now but only family members which I wouldn't do since the AU company says to add them as a friend.

Thanks for posting this. It was news to me.

[Michael in ABQ]

Any recommendations for a new card to start seasoning for tradeline sales? Barclays cards are great from the perspective of being very easy to add and remove AUs and them not seeming to care about tradelines sales. I've got a Capital One card, Elan card, and a Chase card right now with a second Barclays card almost at the two-year mark.

Having a signup bonus is a plus but not that important. I'd rather have a card that will offer a nice CL and be easy to add and remove AUs online.

[kindoflost]

Any recommendations for a new card to start seasoning for tradeline sales? Barclays cards are great from the perspective of being very easy to add and remove AUs and them not seeming to care about tradelines sales. I've got a Capital One card, Elan card, and a Chase card right now with a second Barclays card almost at the two-year mark.

Having a signup bonus is a plus but not that important. I'd rather have a card that will offer a nice CL and be easy to add and remove AUs online.

Barclays is great. I would also get a Discover

[jnw]

Barclays is great. I would also get a Discover

I heard discover is good after 2 years and only 7 AU's per year.

[secondcor521]

Barclays is great. I would also get a Discover

I heard discover is good after 2 years and only 7 AU's per year.

With Good Company, the info I have is that, while they may take cards younger than 2 years old sometimes, the commissions are much lower.  I just wait until my cards age 2 years before adding them - the $25 commission or whatever isn't worth the hassle to me any more.

The # of AUs on Discover seems to be approximate and semi random.  Or at least, nobody has figured out the algorithm yet.  Mine is on ice although I've only added six AUs in the last 12 months.  And there are reports on this thread that the date when Discover tells you you can add another AU might change unexpectedly.

[MoseyingAlong]

......

The # of AUs on Discover seems to be approximate and semi random.  Or at least, nobody has figured out the algorithm yet.  Mine is on ice although I've only added six AUs in the last 12 months.  And there are reports on this thread that the date when Discover tells you you can add another AU might change unexpectedly.

I think I've nailed down what Discover is doing in my case where I thought the date was changing randomly. I put 12+ AUs on that card before getting my first banner saying I had to wait. Now it seems like the date is updating to when the next removal date is <12 months old. So in 6+ months, I'll be under 7 AUs in the last 12 months.

What I find frustrating is that Discover didn't just update the banner with the next date. No, the banner disappeared until I tried to add another AU. Only after it not being accepted and then backing out of the AU screen did the banner reappear with a new date.

[Nutty]

Any recommendations for a new card to start seasoning for tradeline sales? Barclays cards are great from the perspective of being very easy to add and remove AUs and them not seeming to care about tradelines sales. I've got a Capital One card, Elan card, and a Chase card right now with a second Barclays card almost at the two-year mark.

Having a signup bonus is a plus but not that important. I'd rather have a card that will offer a nice CL and be easy to add and remove AUs online.

Try PNC.  I had to get a Kroger Card to get into US Bank's system.  They rejected me as being out of area. 

[FtWorthAtheist]

I put a freeze on my Transunion credit report in October 2023 after a credit card company notified me that they had rejected a fraudulent credit card application in my name.  (It was for a credit card I already had)  Since adding the freeze, I've added 3 Discover AU's, all online.  Today when I went to the AU page, it tells me that I need call in because of a freeze on my credit.  Will this go away if I remove the freeze and if so, does anyone know how long it will take?  I'd rather be adding and removing AU's online whenever I can help it.

[Michael in ABQ]

Just tried adding a 4th AU to an Elan card and I got this message:

Contact us for help.
Hmm, it looks like this account requires some extra attention.
Please give us a call at 1-866-234-4691.


I'm guessing this means this card has been flagged and is likely to get shut down.

[salt cured]

Just tried adding a 4th AU to an Elan card and I got this message:

Contact us for help.
Hmm, it looks like this account requires some extra attention.
Please give us a call at 1-866-234-4691.


I'm guessing this means this card has been flagged and is likely to get shut down.

A rep told me that web adds aren’t available anymore. You can still call it in.

[Padonak]

Just tried adding a 4th AU to an Elan card and I got this message:

Contact us for help.
Hmm, it looks like this account requires some extra attention.
Please give us a call at 1-866-234-4691.


I'm guessing this means this card has been flagged and is likely to get shut down.

Which Elan card is it? I added a Valley/Elan AU online a few days ago without any problems

[Michael in ABQ]

Just tried adding a 4th AU to an Elan card and I got this message:

Contact us for help.
Hmm, it looks like this account requires some extra attention.
Please give us a call at 1-866-234-4691.


I'm guessing this means this card has been flagged and is likely to get shut down.

Which Elan card is it? I added a Valley/Elan AU online a few days ago without any problems

Bank of Albuquerque.

[Mr. Metal Mustache]

At the end of the year when you all get your tax form 1099 MISC - Are you filing/classifying this as misc. income or self employment income and filing under Schedule C?

[secondcor521]

At the end of the year when you all get your tax form 1099 MISC - Are you filing/classifying this as misc. income or self employment income and filing under Schedule C?

Personally I file a Schedule C.

Depending on the circumstances, some may elect to report it as hobby income on Schedule 1 Line 8z.

I recommend reviewing https://www.irs.gov/newsroom/heres-how-to-tell-the-difference-between-a-hobby-and-a-business-for-tax-purposes in light of your facts and circumstances.

Hobby income on Schedule 1 Line 8z does not have SE taxes.  Usually you can't deduct hobby expenses against hobby income (AFAIK anyway).  Hobby income is probably not earned income eligible for IRA contributions.

Schedule C income allows business expense deductions, has SE taxes, and counts as compensation for IRA contributions.

[secondcor521]

Anyone having trouble with Chase CCs not posting despite doing everything correctly?

And if you do everything correctly and a Chase CC didn't post twice in a row, what would you do?  Asking for a friend, who isn't particularly interested in calling Chase up and asking them to investigate why.