Author Topic: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig  (Read 2181208 times)

MoneyTree

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6750 on: January 08, 2025, 11:40:48 PM »
Yes, that is what I was asking. Thank you.

I'm trying to see if I can product change one of my Citi cards to a Citi retail card. From what I've gathered, it does not seem possible. I guess I can open a new card, but I was hoping I could use one of my already aged Citi cards.

kindoflost

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6751 on: January 09, 2025, 05:24:49 AM »
Has anyone had any luck selling AmEx tradelines lately? I am using a company but haven't sold any in months.
Thanks in advance

tj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6752 on: January 09, 2025, 04:37:49 PM »
Yes, that is what I was asking. Thank you.

I'm trying to see if I can product change one of my Citi cards to a Citi retail card. From what I've gathered, it does not seem possible. I guess I can open a new card, but I was hoping I could use one of my already aged Citi cards.

Definitely not possible. At least Citi retail is easier to get approvals from.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6753 on: January 09, 2025, 06:22:56 PM »
Yes, that is what I was asking. Thank you.

I'm trying to see if I can product change one of my Citi cards to a Citi retail card. From what I've gathered, it does not seem possible. I guess I can open a new card, but I was hoping I could use one of my already aged Citi cards.

Is it really so much trouble dealing with Citi on the phone when you add AUs that you're willing to product change just to avoid that?

I'd rather not call them but also these are not very popular cards for TLs anyway, so I don't have to call them often.

MoneyTree

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6754 on: January 09, 2025, 11:37:14 PM »
Yes, that is what I was asking. Thank you.

I'm trying to see if I can product change one of my Citi cards to a Citi retail card. From what I've gathered, it does not seem possible. I guess I can open a new card, but I was hoping I could use one of my already aged Citi cards.

Is it really so much trouble dealing with Citi on the phone when you add AUs that you're willing to product change just to avoid that?

I'd rather not call them but also these are not very popular cards for TLs anyway, so I don't have to call them often.

It’s not always a hassle, but it definitely can be. There have been times when I’ve been on hold for 45-50 minutes just to speak with a representative. Even after repeating the name, address, date of birth, and SSN multiple times—and having them repeat it back to me—they still manage to get it wrong, and it does not post.

On the other hand, if I could make ONE call to initiate a product change that would eliminate all future calls - yeah, I'd make that trade. Alas, it does not seem possible.
« Last Edit: January 09, 2025, 11:41:56 PM by MoneyTree »

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6755 on: January 10, 2025, 11:09:52 AM »


It’s not always a hassle, but it definitely can be. There have been times when I’ve been on hold for 45-50 minutes just to speak with a representative. Even after repeating the name, address, date of birth, and SSN multiple times—and having them repeat it back to me—they still manage to get it wrong, and it does not post.

On the other hand, if I could make ONE call to initiate a product change that would eliminate all future calls - yeah, I'd make that trade. Alas, it does not seem possible.

Let me know if you're able to change the product, then i'll try that too. I agree that calling Citi can be annoying and time consuming sometimes.

Reddart67

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6756 on: January 17, 2025, 08:23:29 AM »
Looks like it's now possible to remove Citi AUs online (had to call previously). I tried it with one card, just to make sure they don't replace your card also when you remove an AU (sometimes they do it over the phone by mistake).
Yes, this worked with my AAdvantage citi card! Always nice to do things without having to call in.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6757 on: January 19, 2025, 09:33:32 AM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6758 on: January 19, 2025, 11:24:21 AM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

Nobody knows for sure about lifetime bans.  Personally I doubt it.

You could look at the reasons BofA gave you for the denial and try to fix them.  It's possible that it was a coincidence.

I had two USBank cards shut down, almost certainly for piggybacking.  I waited a while, then reapplied, got two more cards with them, and am now piggybacking on those.  You can search this thread for my posts to read about that experience more.

almost

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6759 on: January 19, 2025, 03:17:28 PM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

My BOA card was shut down in 2021 because of tradelines.  I applied for a new BOA card six months later in 2021 and was denied.  I did not apply again until 2024 and that application was instantly approved.

spacecadet610

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6760 on: January 29, 2025, 12:47:05 AM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

How long did you wait for US Bank? My US Bank card was shut down about 11 months ago. I tried to apply for another US Bank card this week fot was denied for "fraud risk". Otherwise i have really good credit score.

Nobody knows for sure about lifetime bans.  Personally I doubt it.

You could look at the reasons BofA gave you for the denial and try to fix them.  It's possible that it was a coincidence.

I had two USBank cards shut down, almost certainly for piggybacking.  I waited a while, then reapplied, got two more cards with them, and am now piggybacking on those.  You can search this thread for my posts to read about that experience more.

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6761 on: January 29, 2025, 09:24:27 AM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

Nobody knows for sure about lifetime bans.  Personally I doubt it.

You could look at the reasons BofA gave you for the denial and try to fix them.  It's possible that it was a coincidence.

I had two USBank cards shut down, almost certainly for piggybacking.  I waited a while, then reapplied, got two more cards with them, and am now piggybacking on those.  You can search this thread for my posts to read about that experience more.

How long did you wait for US Bank? My US Bank card was shut down about 11 months ago. I tried to apply for another US Bank card this week fot was denied for "fraud risk". Otherwise i have really good credit score.


[Fixed quoting issue, and emphasis added.]

Against my better judgment, I searched this thread for you to get the answer.  The cards were shut down effective July 31, 2020, and I got the two new ones in October 2021.

EliteZags

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6762 on: January 30, 2025, 02:54:39 AM »
I have a question about how long to wait after getting cards shut down before reapplying. I had two BOA cards shut down in May 2023 due to tradeline activity. In June 2024, I applied for a BOA card and was denied. Does BOA (or other banks) permanently ban someone for TL activity? I've also had Cap One and US Bank cards shut down and would love to hear any data points from folks who've applied and been accepted for cards from a provider after that provider shuts your card down.

TIA

My BOA card was shut down in 2021 because of tradelines.  I applied for a new BOA card six months later in 2021 and was denied.  I did not apply again until 2024 and that application was instantly approved.

those that have had BOA cards shut down what was your tradeline activity on them like before shutdown?


have there been recommended measures to take with them to reduce the risk?

I've sold about a dozen over 2 years on a 30K card, and just enrolled a 20K card as well since they both turned 5yrs old and getting 200+ per AU
should I limit them to 1 AU at a time? currently set at 2, which the 30K card had both on the same cycle a few times
I don't care about losing use of the cards just want to maximize longevity/qty of tradeline sales
« Last Edit: January 30, 2025, 03:06:26 AM by EliteZags »

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6763 on: January 30, 2025, 05:55:13 AM »
those that have had BOA cards shut down what was your tradeline activity on them like before shutdown?

I've had a BOA card with Good Company That Actually Pays in the past and it was not shut down.  I put it on hold for a bizarre posting problem a while ago.

I suspect that BOA (and other CCs) periodically run raids on their customers and if you have "obvious" TL activity then you get shut down.  "Obvious" TL activity is probably X AUs with different last names or different addresses lifetime total or over a recent timeframe.

But nobody really knows for sure AFAIK.

have there been recommended measures to take with them to reduce the risk?

Not specifically for BOA, but in general (1) use a good TL company, (2) follow all of the recommendations of your TL company.  FWIW, I've used both companies mentioned by arebelspy for a long time, and now exclusively use Good Company That Actually Pays, and I probably comply with 99% of their recommendations.  I have a very good success rate - probably 95% of my AU orders go through flawlessly like clockwork.

I've sold about a dozen over 2 years on a 30K card, and just enrolled a 20K card as well since they both turned 5yrs old and getting 200+ per AU
should I limit them to 1 AU at a time? currently set at 2, which the 30K card had both on the same cycle a few times
I don't care about losing use of the cards just want to maximize longevity/qty of tradeline sales

Up to you.  I always follow the TL company's recommendations for number of slots, figuring they have thousands of data points and I only have dozens.  FWIW my BOA card was set to 2 slots when I had it enrolled.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6764 on: January 30, 2025, 11:05:28 PM »

those that have had BOA cards shut down what was your tradeline activity on them like before shutdown?



They shut down all my cards after i sold 2 or 3 AUs on one of them.

When i applied for a new card about a year later, they rejected the application because they had closed my account previously.


Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6765 on: January 31, 2025, 10:15:59 AM »
Ah, here we go.  USBank notes a risk to the bank and shut down my cash something or other card and my Harley Davidson card.  I was able to cash my rewards for a Home Depot gift card on the cash card and had just gotten a Harley store gift card.  So into the wood furnace those cards go.

On the other end, I had an offer from BoA who in one sweep 3 years ago, shut down 3 cards after I put the first AUs on each card and used them at a gas station to get it reporting.  Well, I put in the app for the new card with $200 for $1000 spend in 90 days and once I unfroze Experian, they approved me.  So I'll pass go, collect my $200 and then let the card bake for a couple years.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6766 on: February 01, 2025, 10:13:40 PM »
Ah, here we go.  USBank notes a risk to the bank and shut down my cash something or other card and my Harley Davidson card.  I was able to cash my rewards for a Home Depot gift card on the cash card and had just gotten a Harley store gift card.  So into the wood furnace those cards go.


Do you have any other USBank or Elan cards that didn't get shut down?

EliteZags

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6767 on: February 02, 2025, 08:25:57 PM »
I though Elan (and Barclays) were among least likely for shutdown?

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6768 on: February 02, 2025, 09:24:12 PM »
I though Elan (and Barclays) were among least likely for shutdown?


Barclays - yes (at least for now).

Elan/USBank - probably less likely than banks like BoA but some people mentioned earlier in this thread that all their cards got closed. Both USBank and co-branded Elan cards. I'm trying to understand how common it is to have all your cards shut down (personal and business) vs just the ones used for TLs.

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6769 on: February 07, 2025, 04:56:19 PM »
Title: Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
Post by: ZagNation on July 07, 2021, 03:32:57 PM
Quote from: MoneyTree on July 07, 2021, 10:49:10 AM
Yes, Discover cardholders started getting this message last year, but the exact rules have been unclear. For example, I had a message that I couldn't add AUs until December 2020, so I waited patiently for that time frame, and then when I go to add an AU in late December 2020, the message changed to say that I couldn't add AUs until June 2021!

Some people have reported that they were able to circumvent the restriction by calling in to add AUs, but I haven't tried that myself

After reaching 7 AU in 2020, getting my AU access restricted, having my original date extended to January 2021 and placing my card on hold with the old company, I decided to log into my account back in May and discovered (ha) that I could add authorized users online once more.

"June rolls around and I receive two AU add notifications. The first AU went through as expected but when I went to add the second AU I was greeted by the maximum authorized users have been added message. I almost gave up and was going to mark the AU as unable to add but recalled recent communication from the old company encouraging me to call in for adds even when receiving that message.

Lo and behold for the second AU I was able to call in and speak with a CSR (probably within five minutes of adding the first AU online). Gave the CSR name/address/dob/ssn, told them I did not want to receive a card at this time and that was it. Two Discover AUs were added in the same month (one online, one via phone). Please try calling in to add Discover authorized users rather than accepting defeat!

As an aside, I suspect Discover is using a rolling 12 month basis and not per calendar year to determine the maximum number of requests to add authorized users. YMMV."


I found this post from searching - Has anyone else had luck calling Discover to add an AU if they have the banner warning stating that they have reached maximum amount of AU adds? Is calling in to add a red flag or does it work?

UPDATE

Did not work
« Last Edit: February 07, 2025, 07:52:14 PM by Mr. Metal Mustache »

secondcor521

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6770 on: February 07, 2025, 09:40:45 PM »
UPDATE

Did not work

Right.  Good Company That Pays On Time recommends calling in to add after getting the message, but it's never worked for me the couple of times I've tried.

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6771 on: February 08, 2025, 05:10:47 PM »
Ah, here we go.  USBank notes a risk to the bank and shut down my cash something or other card and my Harley Davidson card.  I was able to cash my rewards for a Home Depot gift card on the cash card and had just gotten a Harley store gift card.  So into the wood furnace those cards go.


Do you have any other USBank or Elan cards that didn't get shut down?

So I didn't realize it till the letters came in the mail.  And indeed, the 2 US Bank cards and the Elan Fidelity card all got whacked.  On the other side, the Bank of America card arrived and I'll do the $1000 in 90 days to collect $200.  BoA was shut down for me about 3 years ago.  3 cards.

Reddart67

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6772 on: February 08, 2025, 05:57:43 PM »
BofA just declined a card I applied for (not for Tradeline’s, but for a SUB for their crappy Royal Caribbean card since I’m taking a cruise later this year, was supposed to be $300 worth of online credit).

@$$h0!e$.

Not sure if it’s a credit limit/income thing, or “too many authorized users” on my other accounts. I had a BofA card long ago, but had cancelled it maybe 10 years ago, before I knew about tradelines.

I’ll probably stick gum in the ATM slot the next few times I’m near the BofA branch. I’ll have to estimate $300 of parts and labor to repair the ATMs. + a little extra.

tj

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6773 on: February 08, 2025, 07:21:20 PM »
BofA just declined a card I applied for (not for Tradeline’s, but for a SUB for their crappy Royal Caribbean card since I’m taking a cruise later this year, was supposed to be $300 worth of online credit).

@$$h0!e$.

Not sure if it’s a credit limit/income thing, or “too many authorized users” on my other accounts. I had a BofA card long ago, but had cancelled it maybe 10 years ago, before I knew about tradelines.

I’ll probably stick gum in the ATM slot the next few times I’m near the BofA branch. I’ll have to estimate $300 of parts and labor to repair the ATMs. + a little extra.

Vandalizing Bank of America property isn't the answer.

Padonak

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6774 on: February 08, 2025, 11:51:31 PM »
BofA just declined a card I applied for (not for Tradeline’s, but for a SUB for their crappy Royal Caribbean card since I’m taking a cruise later this year, was supposed to be $300 worth of online credit).

@$$h0!e$.

Not sure if it’s a credit limit/income thing, or “too many authorized users” on my other accounts. I had a BofA card long ago, but had cancelled it maybe 10 years ago, before I knew about tradelines.

I’ll probably stick gum in the ATM slot the next few times I’m near the BofA branch. I’ll have to estimate $300 of parts and labor to repair the ATMs. + a little extra.

They will send you a letter and let you know why they declined your application. It's a legal requirement.
Have they ever closed any of your cards for TL activity?

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6775 on: February 09, 2025, 04:02:17 PM »
Barclays has decreased my limit *again*. From $32k to $5,019. They said it's because I'm not using a significant portion of the credit limit - which is true. My expenses are low and so few places here take cards that I could maybe swing $500 a month on it but I doubt that's enough. Unfortunately, it's my best card for tradelines. =(

Car Jack

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6776 on: February 09, 2025, 04:12:09 PM »
Barclays has decreased my limit *again*. From $32k to $5,019. They said it's because I'm not using a significant portion of the credit limit - which is true. My expenses are low and so few places here take cards that I could maybe swing $500 a month on it but I doubt that's enough. Unfortunately, it's my best card for tradelines. =(

They did that on one of my cards.  I called and they upped my formerly $20k card to $25k.  I did put a grand on it just to make them happy. 

Monkey stache

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6777 on: February 09, 2025, 04:54:34 PM »
Barclays has decreased my limit *again*. From $32k to $5,019. They said it's because I'm not using a significant portion of the credit limit - which is true. My expenses are low and so few places here take cards that I could maybe swing $500 a month on it but I doubt that's enough. Unfortunately, it's my best card for tradelines. =(

They did that on one of my cards.  I called and they upped my formerly $20k card to $25k.  I did put a grand on it just to make them happy.

This is the second time they've lowered the limit on this card. Last time was in September so it seems a bit too soon. I'm going to give them a call tomorrow and see what they can do.

Reddart67

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6778 on: February 14, 2025, 07:52:56 AM »

They will send you a letter and let you know why they declined your application. It's a legal requirement.
Have they ever closed any of your cards for TL activity?
The letter they sent said it was under review and to call in for further information. I called the number and gave them the same information I used when I applied, and the CSA said that it may take them 5 business days to make a final decision, but got an email about 10 minutes later that it had been approved. Not sure if there is something that flagged my account, or if they are being overly cautious in granting credit.

I had a BoA CC years ago that I closed myself maybe about 10 years ago, before I even knew about Tradelines.

So the vandalism run is now cancelled.

katsiki

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6779 on: February 14, 2025, 02:25:24 PM »
PSA - I also experienced the barclays limit decrease.  Those of who with the good, paying company should have received an email with details also from them.  I was able to increase the limit easily online, but this is annoying and a bit concerning.

Reddart67

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Re: Selling Tradelines / Piggybacking Part II: $1000+/hr, 20-40k/yr. Side Gig
« Reply #6780 on: February 14, 2025, 02:34:10 PM »
On Barclays, I have not had a credit decrease, though they did close an inactive account with a low credit line that I already used up for Tradeline’s.

But, the card I am using now for Tradelines is an Aadvantage card, and I hear that by possibly next year, AA will exclusively use Citi as their bank. When something like this happens, does the whole card and credit line get transferred to the new bank? Do they give you an option to switch cards and keep your credit line?