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How Do I Get Started?

If you are interested in becoming a Cardholder, please fill out the form and let us know what cards you own that you would be interested in selling. Our company owner or Operations Manager will contact you directly within 24 hours.

After filling out the above mentioned form, and if we are interested in the cards you have to offer us, we will then send you a contract and tax form W-9 to read through, sign, and return.

We will spend about 30-45 minutes on the phone educating you on how the system works, your responsibilities, and how you get paid.

Once you are comfortable and understand how the process works, we will add your credit card(s) to our list and start selling spots on it. It’s that simple!

Still have questions? Schedule an appointment to speak with us.

Bill Airy

About the Author:

Bill Airy is the CEO and Founder of BoostMyScore. For over 12 years he has helped American consumers get a second chance at a better financial life by helping them to improve their credit score. He regularly publishes helpful content on this Blog to educate others about Credit Scores and best practices when trying to improve them.

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How Much Money Can I Earn?

Cardholders can make anywhere from $25 to $300 for each person they add as an authorized user to their credit card, and each credit card has anywhere from 3 total available AU spots up to 10, meaning that on average they could make upwards of $1,000 per month, PER CARD, depending on the credit limit and payment history of the card they hold. The smallest amount made by a Cardholder last year was $2,800, and the highest paid Cardholder in our program made $48,000 for the year. The more cards a Cardholder has in our program, the higher the limit, and the longer the payment history, the more money they can make. In some situations, we will consider paying a higher premium for cards that have exceptionally high limits and age. Please speak with us for more information on these types of accounts.

How do you qualify someone to become a Cardholder?
  • A Cardholder must have at least one credit card with a perfect payment history (no late payments).
  • The credit card(s) must be at least 6 months old.
  • The Cardholder must maintain regular activity on their account, and never have a balance of more than 10% of the available credit limit on their credit card(s).
  • A cardholder must be able to add someone to their card within 48 hours of email notification that they have a new client.
What is the required role for Cardholders?
  • Every credit card account in our program must be used regularly, but must always maintain a balance of less than 10% of the available credit card limit. Just use them to buy a tank of gas every couple months and pay the balance in full as soon as the bill comes in the mail. Something needs to be owed on the account at least once per month.
  • If a balance is over 10%, it must be paid down before the credit card’s reporting date, which is listed on your credit report with TrueCredit.com, and is not necessarily the due date of your payment.
  • Allow a small balance to report each month to ensure that your credit card company reports the activity as expected. If the credit card history for your account is not reported for an Authorized User that has been added to your account, then you do not get paid for that addition until and if it does.
  • Once a client has paid us for the service, signed and returned the contract, and we have validated their information to be accurate and true, our system will automatically send an email to the Cardholder with instructions on how to securely view the new client’s personal data (SSN, DOB, and name) on a secure page on our web site. The Cardholder will then call their credit card Issuing Bank, and add the client(s) as authorized user(s) to their credit card(s) no more than 48 hours later than receipt, but before each individual credit card’s reporting date. Do NOT print the client’s sensitive information or copy it anywhere outside of the secure web site, as doing so can create an unnecessary security risk.
  • Immediately following the addition of the AU to the credit card account, please reply to our email to let us know that the addition is complete.
  • Within 7-10 business days, the Issuing Bank will mail a physical credit card directly to the credit card’s billing address with the name of the client (Authorized User) and the account number on the front of the card. The Cardholder must fax or email a copy of the credit card with the authorized user name displayed, making certain to remove the 16 digit account number and 4 digit expiration date prior to sending.  Verification with each client that the history for your credit card has reported to their credit report is required before payment is made to the Cardholder.
  • The Operations Manager will inform the Cardholder when they can remove an authorized user from the credit card, and will then send over new clients to be added, and the whole process starts all over again.

Got a Question with no answer? Speak to one of our specialists instead

BoostMyScore Team