* No Sales Tax *

• The reporting date of this Tradeline to the credit bureaus is around the 22nd of the month.  

• This card has a perfect payment history, never late. Less than 1% of the card's utilization/limit is used per month. The usage is to ensure that the card reports each and every month to the bureaus.

• You will be added as an Authorized User for 60, longer times are available.

• We will need personal info from you so the Citibank credit card tradeline reports properly to the credit bureaus onto your personal credit file/report, this is a big help if you have little or no credit history.  

• PLEASE let me know if you have any questions or concerns, I'll be happy to answer them.

• 10 reasons why people may want to be added as an authorized user (AU) on someone else’s credit card—often called tradelines:

  1. Fast credit score boost
     Piggybacking on an old, well-managed card can raise a score in weeks, not years.
  2. Instant access to long credit history
     The card’s age counts toward your credit age, which is a big scoring factor.
  3. Lower credit utilization
     High limits + low balances = your utilization drops, helping scores immediately.
  4. No legal responsibility for the debt
     Authorized users aren’t liable for payments (the primary cardholder is).
  5. Easier loan approvals
     A stronger profile helps with mortgages, auto loans, apartments, and even jobs.
  6. Cheaper interest rates
     Better scores mean lower APRs on loans and credit cards—real money saved.
  7. No credit inquiry required
     Most issuers add AUs without a hard pull, so your score isn’t dinged.
  8. Build or repair credit without a secured card
     Avoid tying up cash in deposits or starting with tiny limits.
  9. Helps thin or new credit files
     Especially useful for young adults, immigrants, or people restarting credit.
  10. Time advantage over traditional credit building
      Building credit the normal way can take years—AU tradelines compress that timeline.