How we review cardholder accounts
Cardholders can list a card on TradelineScore without a separate verification step first. When an order comes in, our cardholder operations team reviews the cardholder's credit card statement and account details to confirm the account meets our eligibility requirements before the order moves forward. Here is what we review, what disqualifies an account, and what happens to an order if an account does not qualify.
Raquel Hudson, Editorial Reviewer
Reviewed October 9, 2026
How the review works
1. List your card
Cardholders can list a card before its account review.
2. Order received
An order is placed for one of your listed cards.
3. Statement and account review
Our team reviews the account against our eligibility standards.
4. Proceed, replace or refund
The order moves forward if eligible. Otherwise, we cancel it and arrange a suitable replacement or provide a full refund if no suitable replacement is available.
What you submit
Cardholders normally submit their credit card statements through the TradelineScore portal. If we need more information, we ask you to email the requested documents to our team.
- Account opening date
- Credit limit
- Statement date
- Current balance and utilization
- Whether the account is active
Our eligibility standards
Every account must meet these requirements when an order is reviewed.
- Account age: at least 6 months. There are no exceptions, and a higher credit limit does not replace the age requirement. There is no fixed minimum credit limit.
- Payment history: no late-payment or derogatory history, regardless of how old it is.
- Utilization: below 10% throughout an active authorized-user placement. Exactly 10% does not qualify. We recommend keeping utilization comfortably below this threshold to reduce the risk of becoming ineligible.
- Active account: the card must be active.
- Order instructions: follow the instructions and dates for each order, including the agreed removal date.
You can keep using your card, including making purchases and applying for new credit, while an authorized-user order is active, as long as the account stays active and utilization stays below 10%.
What we review
- Account opening date
- Credit limit
- Statement date
- Current balance and utilization
- Whether the account is active
Our review focuses on credit card statements and account eligibility. It is not a government-ID identity verification process.
What we don't ask for
We do not ask cardholders for:
- Full credit card numbers
- CVV codes or card PINs
- Online banking or credit card login credentials, such as usernames and passwords
- Social Security numbers, full or last four digits
Payout banking and tax information is handled through Paychex, which has its own requirements.
What disqualifies an account
- The account is younger than 6 months.
- The account has any late-payment or derogatory history, regardless of how old it is.
- Utilization reaches 10% or higher.
- The account is not active.
- The account does not otherwise meet the eligibility requirements above.
If an account does not qualify
If an account does not pass review after an order comes in, we email and/or text the cardholder and explain the reason, such as account age, utilization, payment history or another eligibility requirement. We cancel the original order right away and arrange a replacement line. If no suitable replacement is available, the buyer receives a full refund.
If utilization reaches 10% or higher after an authorized user has been added, the order is canceled, and the buyer can choose a replacement line or a full refund.
Buyer remedies are described in our Refund Policy.
Your controls as a cardholder
- Pricing is set by TradelineScore.
- You can pause an individual available AU slot without deactivating your whole card.
- You can deactivate your card listing. Active AU orders still follow their agreed requirements and removal dates.
- You can update account information, such as your credit limit. Some changes need help from our support team when an AU is active on the account.
- Pausing an available slot is different from removing an AU who already has an active order.
Cardholders are expected to fulfill orders received for their available AU slots and follow the instructions provided. If something prevents fulfillment, please contact our team promptly so we can help address the situation.
Adding the AU and getting paid
- Adding the authorized user: TradelineScore emails and texts you when it is time to add the AU. Follow that order's instructions and dates. Keep the AU until the agreed removal date, not just until the line posts.
- Payout: the stated seller payout is issued through Paychex after the purchased line is verified as posted and the order conditions are met. Listing a card does not guarantee an order or income.
At a glance
6 months
Minimum account age. No exceptions.
Below 10%
Utilization required during an active AU placement.
After an order
When our team reviews the statement and account.
Not asked for
Full card numbers, CVV or PIN, online login credentials, or Social Security numbers.
Frequently asked questions
What do I need to provide when listing a card?
You can list a card with your credit card statement, normally submitted through the TradelineScore portal. When an order comes in, our cardholder operations team reviews the account opening date, credit limit, statement date, current balance and utilization, and whether the account is active before the order moves forward. If we need more information, we ask you to email the requested documents.
When does TradelineScore review my account?
After an order comes in. You can list a card before it is reviewed. Our cardholder operations team reviews the statement and account details before the order moves forward.
What is the minimum card age?
The account must be at least 6 months old. There are no exceptions, and a higher credit limit does not replace the age requirement. There is no fixed minimum credit limit.
Can a higher credit limit make up for a newer account?
No. An account younger than 6 months does not qualify, no matter how high its credit limit is.
Will a late payment disqualify my card?
Yes. Any late-payment or derogatory history disqualifies an account, regardless of how old it is.
What utilization is required?
Cardholders must keep utilization below 10% throughout an active authorized-user placement. Exactly 10% does not qualify. We recommend keeping utilization comfortably below this threshold to reduce the risk of becoming ineligible.
Can I still use my card or apply for new credit?
Yes. You can make purchases and apply for new credit while an AU order is active. Keep the account active, keep utilization below 10%, and follow the order's instructions and removal dates.
Do I have to give you my card number or online banking password?
No. We do not ask for full card numbers, CVV codes or PINs, online banking or credit card login credentials, or Social Security numbers. Payout banking and tax information is handled through Paychex, which has its own requirements.
What happens if my account does not pass review?
We email and/or text you and explain the reason, such as account age, utilization, payment history or another eligibility requirement. The original order is canceled and the line is replaced. If no suitable replacement is available, the buyer receives a full refund.
What happens if my utilization reaches 10% after the AU is added?
The order is canceled, and the buyer can choose a replacement line or a full refund.
Can I set my own price or pause a slot?
Pricing is set by TradelineScore. You can pause an individual available AU slot without deactivating your whole card, deactivate your card listing, and update account information such as your credit limit. Active AU orders still follow their agreed requirements and removal dates. Some changes need help from our support team when an AU is active.
Can I list more than one card?
Yes. Our team reviews each card separately when an order comes in for that particular card.
Reviewed when an order comes in. Paid after posting is confirmed.
Seller payouts depend on verified posting and applicable order conditions. Listing a card does not guarantee orders or income. Read how buyer remedies work in our Refund Policy.