Become an authorized user on a seasoned credit card. Pick a card by bank, limit and age, see the date to request by and the week it reports, and get added before its next statement.
The list refreshes daily. Cards past their request-by date or out of spots drop off automatically, and every request is confirmed before you pay.
Not sure what limit or age you need? Run your numbers in the tradeline calculator and it'll filter this list to cards that move your utilization and average age.
| Bank | Limit | Opened / age | Request by | Reports | Price | Spots | |
|---|---|---|---|---|---|---|---|
| Loading today's cards… | |||||||
Please read these before you request a card.
Each card shows the date to request, sign and pay by, set ahead of the cutoff for the card's next statement.
Most cards report to all three bureaus (Experian, Equifax and TransUnion). Every card is guaranteed to post to at least 2 of the 3.
After your card is confirmed: front and back of a valid photo ID, front and back of your Social Security card, and the signed tradeline user agreement (every page). We send a secure link for these. Never send them through the request form.
Only your real Social Security number is accepted. CPNs, alternate SSNs or EINs used in place of an SSN end the order with no refund.
Conway Connects LLC confirms the card, the price and the payment steps with you before anything is ordered. Payment in full is required before your order is placed.
Card issuers can review authorized users added to an account. If a card is closed, defaults or runs a high balance before it posts, the card's guarantee below applies.
Spots sell out quickly and the list refreshes daily, so a card can be gone by the time you request it. If it is, we'll offer the closest match.
Cards marked “Refund guarantee” in the list.
Each card shows its first reporting window, about a week long. Expect it on your reports once the bureaus update after that window.
You stay on each card for two statement cycles, so it posts twice. You're then removed as an authorized user.
If a card hasn't posted to at least 2 bureaus after its reporting window and your reports have updated, contact us within 21 days. You'll need to show your current reports (Credit Karma covers Equifax and TransUnion, plus Experian). A confirmed non-post is refunded for that card.
Cards marked “Replacement guarantee” in the list.
About 10 business days after the card's statement date. If a card's statement closes on the 7th, expect it around the 17th.
Each spot stays active for a 2- or 3-month term (both prices are shown where offered) and can be extended for an additional, discounted fee.
No refunds once you've been added as an authorized user. If a card is verified as not posting, you get the next best replacement card. Verifying a non-post needs your full 3-bureau reports from an Experian account.
Security freezes and fraud alerts must be lifted at Experian, Equifax and TransUnion before the card is added. If you're currently a victim of identity theft, keep your fraud alert in place and don't buy a tradeline.
Zelle and Cash App are free and fastest. Card payments take longer and carry a processing fee, quoted before you pay.
Amex cards don't report account history, but they do report the credit limit, which adds higher comparable credit. Amex requests need at least 1 week before the statement date; the request-by date already allows for it.
These cards can only be added for people who are not already members of that credit union or bank.
You're added as an authorized user on someone else's established credit card. The card's limit and history can then appear on your personal credit reports. You don't get the card or access to the account.
It can't be guaranteed. Results depend on your whole credit file and the scoring model a lender uses. Some lenders and mortgage underwriters discount authorized-user accounts.
Fewer, well-chosen cards beat many. Too many new authorized-user accounts at once can look unusual to lenders.
Conway Connects LLC, a separate company, sells and places personal tradelines. Fund My Brand collects your request and refers you to Conway Connects.
No. These report to your personal credit. Business tradelines report to your company’s commercial credit profile.
Building business credit instead? See business tradelines, which report to your company’s commercial credit profile.
Review the reporting, timing and terms that matter for your goal.
Personal Tradeline Buyer’s ChecklistFund My Brand brings funding guidance and tradeline options together. Choose the path that matches your goal.