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Cash in on your good credit

Splendid helps you earn cash while helping others boost their credit score to reach their financial goals.

How do you sell tradelines with Splendid?

The process to start earning is simple. By selling your unused credit card spots, you’ll help someone else boost their credit score and get paid at the same time.

Tell Us About Your Cards

We ask a few questions about you and your credit cards - like the limit, age, and balance. This helps determine how much you can earn.

Get Your Quote

We run the numbers and tell you how much you can make by selling your unused credit card spots.

Start Earning Extra Cash

Sit back and get paid every month! On average, our customers earn $638 a month.

Frequently Asked Questions

What does Spendid do?

We connect cardholders (you) to people looking to increase their credit score by selling your authorized user tradeline.

What is an Authorized User?

An authorized user is a person who is listed on a credit account that they do not own. Being an authorized user on a credit account can help a person boost their credit score or increase their available credit. With Qandid, authorized users do not have the ability to access or spend on your credit account. Our tool is used by people who want to establish or increase their credit for various purposes like signing a lease or purchasing a car.

What is a Tradeline?

A credit report tradeline is simply an industry term to describe a credit account. If you have credit accounts, you therefore have tradelines. Tradelines come in the form of credit cards, lines of credit, car loans, mortgages, and payday advances. Here at Qandid, we focus solely on credit card tradelines.

How Many Authorized Users Can I Add to My Card?

While some credit card companies may allow you to add as many as 10 authorized users per card, we highly recommend only 3 people per card per month. Our trained professionals will guide you through the process and answer any questions you may have!

How Much Can I Earn?

Last year, on average our cardholders made $638 a month. Your price will depend on your credit card limit, age, and balance (must be below 30% balance to limit). The older the card, the higher the limit, the more you make!

Do They Get a Card or Can They Spend on My Card?

No, the authorized user is never given access to your credit card nor can they spend on it. Cards are sent directly to your primary billing address. Authorized users will not be able to call your credit card company to access your account as they will not have the necessary security information.

Do They Have Access to My Credit Card or Personal Information?

No, the authorized user is never given access to your credit card as the card is sent to your primary billing address. You can simply cut that card up once it arrives. A credit report does not provide any information one would need to call your credit card company and access your account information.

Is This Legal?

Adding an authorized user is backed by the Fair Credit Reporting Act (FCRA) and explained in most paperwork that comes with your credit card. The process itself is an option available to all credit card holders and has often been used for children, relatives, and friends. This said, we are not lawyers so we suggest consulting an attorney for further questions.

Want to see how much you can earn from your good credit?

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