: The account's entire positive history (age, limit, and on-time payments) is reported to your credit file.
: You do not receive a physical card or access to spend money; you only "rent" the credit data for a period (usually 30–90 days). Cost & Availability (April 2026) buy seasoned tradelines
: You pay a company (a broker) to connect you with a "cardholder" who adds you as an AU to their account. : The account's entire positive history (age, limit,