Credit Partner


How Does this process Work?


We pay Card Holders—just like you—a fee for adding our clients as Authorized Users to their credit cards. This process has been in existence for over 30 years.  The Authorized User never has any access to your account or to spend money on your account.  This process is 100% RISK FREE.  Authorized Users don't even know who you are.

Only people with credit cards with PERFECT PAYMENT HISTORY and card UTILIZATION UNDER 30% can qualify  You are being paid for the opportunity for the for your great credit card history to appear on their credit report. As an Authorized User, the credit card company essentially copies and pastes the history for your credit card into their credit report, and it looks like your card has been in their credit report since you first opened the account. The effect is an immediate boost to the Authorized Users credit score. Here is article from ABC News that talks a bit about it.

Our cardholders earn from $40 to $270+ per authorized user added to their credit card depending upon the age and credit limit of their card, so you can end up earning anywhere from $500 – $7,500+ MONTHLY depending upon how many eligible credit cards you have, and how old they are. [Note: Business credit cards do not qualify because they do not report data to the credit bureaus for authorized users.]

Now you can earn the passive income you desire!!!

Click Here to Get Started Earning Money Today!

See Q & A Below!

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 in 2017 was $2,300, and the highest paid Cardholder in our program made $47,000 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 are the potential risks to Cardholders?

    Making money off your credit cards is extremely easy and it almost sounds too good to be true, but of course, as it is with anything of financial benefit, there is a risk. The only known risk to our Cardholders is the slight chance that the credit card company figures out that you, the Cardholder, are making money off of your credit card(s) and the credit card company may do one of two things: 1) close the credit card account, or 2) leave it open, but disallow the Cardholder to add any more authorized users to it. Over the last several years, Credit Enhancing LLC has become increasingly good at learning the trip hazards in the banks’ computer systems, and we are extremely good at avoiding them, which tends to keep our Cardholders’ credit card accounts free from repercussion. As an overall average, the first possibility only happens to about 15% of our credit cards, while the second situation happens to only about 5% of all of the credit cards in our program. If a Cardholder is worried about the possibility of their credit card being closed by the bank, we suggest that they apply for a new credit card when they sign up for our program. If the card in our program is closed, the Cardholder will then have an alternate credit card to use if they need to, and could potentially begin selling the new card in our program, as well. Nonetheless, you must be comfortable with the risk of your card being closed by the bank. The histories of credit card accounts that have been closed continue to be calculated into the credit score, even if the account is closed, prompting little to no effect on the Cardholders’ credit score/report. However, if the Cardholder is carrying revolving debt on other credit cards, and has an account closed, their “overall utilization ratio” will be impacted, which could lead to a lower credit score. Either way, our current Cardholders unanimously agree that monthly cash flow is more valuable than simply having that one credit card. While replacing a credit card is easy, the cash you earn from Credit Enhancing LLC certainly is not.

    What types of credit cards is Credit Enhancing LLC looking for?

    Mostly all credit cards can be used. Below are a few examples; however, you can always ask us:

    • -Citi Bank
    • -Barclays/Juniper Bank
    • -USAA
    • -Bank of America
    • -Federal Credit Unions
    • -Capital One
    • -Discover
    • -Many, many more!
    Is this Ethical?

    Considering the various ways banks and the credit card, credit scoring, and credit reporting industries have ensnared the American consumer in their web of control, it is hard to believe that using their system, and playing by their rules to place each of us in a more equitable financial position, is anything but ethical.

    Is this Legal?

    According to lawyers familiar with the practice of piggybacking, as well as industry insiders, the act of paying someone to add another person to their existing credit card account is perfectly legal.

    How Do I Get Started?

    If you are interested in becoming a Cardholder, please select the link above "Click Here to Get Started Earning Money Today!" and 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 to 48 hours.

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