Tradelines Like My Jewelers’ Club

Tradelines Like My Jewelers’ Club

The tradelines like My Jewelers´ Club have been closed after September 2022 as the FICO 10 algorithmic model excludes entries from tradelines that were just selling a credit line in exchange for a membership fee.

This exclusion also applies to other tradelines studied on our website such as the New Coast tradeline, a company with very negative reviews.

So as alternative tradelines just like My Jeweler´s, they are now all closed as tradelines. But you have the Experian Boost account to connect your online payments so they generate entries that are reported with Experian as line items.

Likewise, we can recommend the Extra debit card that has a small monthly fee. Let´s see both of these options, that can be combined together.

Experian BoostTM 

It is suitable for people that want to get credit for paying bills like Verizon, AT&T, Netflix®, Spectrum, Disney+, Hulu, HBO, and other phones, streaming, and utility bills. It’s simple to create a free Experian account and then connect it to the bank used to pay your utility bills like the ones mentioned above.

Experian will not have access to any of your bank funds. Once an account is connected, the feature scans transactions for on-time utility, cell phone, and streaming video plans, and only pulls positive payment history, which means it won’t report any negative information that could lower your credit score. Users also have the option to exclude any payments they don’t want to be added to their credit file.


  • Raise your FICO® Score instantly
  • Connect the bank account(s) you use to pay your bills. Your information remains private
  • Choose and verify the positive payment history you want to be added to your Experian credit file
  • See your boost results instantly

Credit Bureaus

  • Reports to Experian

Extra Debit Card

It is suitable for consumers that want the simplicity of building credit without taking on new debt. The Extra Debit Card’s spending limit is based on your bank account balance and other factors.

When you use the Extra Debit Card, they will cover the purchase and then pay themselves back from your bank account the next business day.

At the end of each month, your total purchases are reported to the credit bureaus as payments.


  • There is no credit check required.
  • Build a positive credit history using a debit card.
  • Monthly fee is $7 with no rewards.
  • Earn 1% in reward points with the $12 monthly fee.

Credit Bureaus

  • Reports to Experian and Equifax

Elite Jewelry Club Card

Another tradeline business and a direct alternative to My Jeweler. It is still offering credit lines in 2022.

However, we have not tested this service as in other reviews we do. Therefore, we cannot assure you how legitimate this business is.

With the global rollout of the FICO 10 algorithm achieved at the end of 2022

AG Jewelers Club

AG Jewelers Club, now called Intrigue Fine Jewelry, is not opening any more credit lines for customers, This company was our first alternative to My Jeweler´s.

However, after September 2022, we do not recommend it anymore. The only advantage of these companies was to report the payment of a credit line and this has concluded now.

My Jewelers Club $5,000

The appeal for customers with poor or no history of paying their bills was the high limit, often $5,000 or more, reported to their respective bureaus.

Lenders did not use any specific underwriting criteria when determining whether they approve or deny an application for a loan. If memberships were paid for by customers, My Jewelry Club approved a primary tradeline of at least $5,000.

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