If you’re the primary account holder, removing an authorized user won’t affect your credit score. The account will continue to be reported on your credit report as normal.
Six months: A magic number in credit scoring.
To make you an authorized user, the primary account holder simply adds your name to their credit card account, giving you authorization to use it. … As an authorized user, you’re not legally responsible to pay the credit card bill or any debts that build up. This is still the primary account holder’s responsibility.
You’re generally able to remove yourself as an authorized user by calling the credit card issuer and requesting the change. … The account will no longer appear on your credit report, and its activity will not be factored into your credit scores.
To remove your name as an authorized user, start by calling the credit card issuer and simply asking them to remove you from the account. Depending on the bank, you may be able to request this change even though you’re only the authorized user.
2. Being an authorized user might not impact your credit at all. Credit scoring models only consider information that’s currently on your credit report—nothing more and nothing less. So, in order for a credit card to affect your scores, it must show up on your credit reports with Equifax, TransUnion and Experian.
Capital One: Authorized users can remove themselves from an account by calling the customer service line at 1-800-227-4825. You need to provide the card’s number and the primary cardholder’s name and date of birth.
How do I remove myself from a joint credit card?
Options for Removing Yourself as a Credit Card Co-Signer
- Ask the card issuer directly. The first option you should try is simply asking the issuer of the credit card to remove you as a co-signer. …
- Ask the cardholder to transfer the balance. …
- Ask the cardholder to refinance the debt. …
- Pay off the card yourself.
Account owners have the right to take adult authorized users to court and sue for damages. … In a worst-case scenario, an account owner may fall behind on their bill due to the outstanding debt racked up by their authorized users, and the issuer (or collection agency that has the debt) sues.
No, an authorized user is not legally responsible for credit card debt. Only the primary accountholder is responsible for bill payments, regardless of who made charges with the card. So the debt incurred exclusively falls on the shoulders of primary cardholders.