Can I Remove an Authorized User From a Credit Card?

An authorized user on a credit card is an individual who has permission from the primary cardholder to make purchases using the account. This arrangement allows them to have their own physical card, often bearing their name, linked to the primary account. While an authorized user can incur charges, they are not legally responsible for repaying the debt. The primary cardholder retains full financial responsibility for all transactions made on the account. Primary cardholders maintain the ability to remove an authorized user at any time.

Steps to Remove an Authorized User

Removing an authorized user from a credit card account is a straightforward process initiated by the primary cardholder. The primary method involves contacting the credit card issuer’s customer service department, usually by calling the number on the back of the credit card.

During the call, the primary cardholder must provide account details and verify their identity. This includes the credit card account number and the full name of the authorized user to be removed. Some issuers also offer removal through their online portal or mobile application.

Upon receiving the request, the issuer will process the removal promptly. Ask for a confirmation number or written confirmation for your records. The authorized user’s physical card will become inactive, and the primary cardholder should instruct them to destroy any associated cards to prevent unauthorized use.

If the authorized user has access to the primary card number, consider requesting a new card with a new account number. This ensures the removed user cannot make further purchases. The removal’s timeline and its cessation from the authorized user’s credit report varies but usually occurs within one or two billing cycles.

Understanding the Consequences of Removal

Removing an authorized user carries implications for both the authorized user and the primary cardholder. For the authorized user, the account will be removed from their credit report. If the account had a long history of positive payment behavior and low credit utilization, its removal may decrease their credit score.

This impact is more pronounced for individuals with a limited credit history, as the authorized user account was a significant part of their credit profile, impacting factors like average age of accounts and total available credit. Conversely, if the primary account had a history of missed payments or high balances, its removal may improve their credit score by eliminating negative information.

For the primary cardholder, removing an authorized user has no negative impact on their credit score. The primary cardholder remains solely responsible for the account, and their payment history and credit utilization are reported as usual. The number of authorized users does not appear on the primary cardholder’s credit report, so their removal does not alter these factors.

The authorized user is never legally responsible for the debt incurred on the credit card. The primary cardholder is solely obligated to repay all balances. This legal distinction means creditors cannot pursue an authorized user for unpaid debts.