Is this legal?

Yes! Credit piggybacking has been around since banks invented credit cards and allowed the primary cardholder to add authorized users onto his/her credit card. This process is absolutely legal.  Just as parents routinely add their children on as authorized users to boost their children’s credit scores and business owners use AUs to enable their employees to make purchases for the business,  prospective cardholders will add our credit beneficiaries as authorized users on their credit cards. The only difference is that we have credit beneficiaries who are willing and able to pay for listing them – and we have coordinated a program that ensures you receive cash payments every month for doing so.

In full compliance with the law, the amount paid to the cardholder under is taxable and each cardholder will receive a 1099 statement that will total year-end payouts.