Can You Remove an Authorized User From a Credit Card?

An authorized user on a credit card is an individual permitted by the primary cardholder to make purchases using the credit account. They are typically issued their own card linked to the primary account. While an authorized user can utilize the credit line for transactions, the legal and financial responsibility for all charges and payments remains solely with the primary cardholder. The primary cardholder maintains full control over the account and possesses the ability to manage or revoke an authorized user’s access at any time.

Gathering Necessary Information

Before initiating the removal process, the primary cardholder should gather specific details to ensure a smooth and efficient interaction with the credit card issuer. This information helps streamline identity verification and processing the request. The primary cardholder’s account number is needed to access the account.

The full name of the authorized user to be removed is required. In some instances, the issuer may also ask for other identifying details about the authorized user, such as their date of birth or address, for verification purposes. The primary cardholder should also be prepared to provide their own personal verification details, which might include the last four digits of their Social Security Number, their mother’s maiden name, or an account password.

Initiating the Removal Process

The primary cardholder can contact the credit card issuer to remove an authorized user. The most common method is to call the customer service number on the back of the credit card. During the call, the primary cardholder will typically navigate automated menus, speak to a representative, and then verify their identity using the prepared personal details. A clear statement of the request to remove the authorized user from the account is then needed.

Many credit card issuers also offer removal through their online banking portal or mobile application. This involves logging into the account and locating an “account management” or “authorized users” section. Sending a formal request via mail is another option. This letter should include the primary cardholder’s account number, the authorized user’s full name, and a clear instruction for removal, often sent via certified mail for record-keeping. After the request, removal typically takes effect immediately or within one to two business days, although it may take up to one or two billing cycles for the change to fully reflect on credit reports.

Understanding the Aftermath of Removal

For the authorized user, the account activity associated with that specific credit card will generally cease to be reported to the major credit bureaus, such as Experian, Equifax, and TransUnion. In many cases, the entire history of the account may be removed from the authorized user’s credit report. This can result in a change to their credit score, which may be positive if the account had negative marks like high balances or late payments, or potentially negative if it was a well-managed account contributing positively to their credit history.

For the primary cardholder, removal does not alter their fundamental financial responsibility for the account. The primary cardholder remains solely liable for all charges incurred on the card, including any made by the authorized user before their removal. The primary cardholder’s credit report is not directly affected by the act of removal itself, as the account continues to be reported under their name. Any physical credit cards issued to the authorized user will be deactivated upon removal and should be securely destroyed to prevent any further attempts at use.