Can You Remove an Authorized User From Your Credit Card?

Credit card account holders can remove authorized users from their accounts. This action is often taken for various reasons, such as changes in relationships, concerns about spending habits, or when the authorized user has established their own credit. This article will guide readers through the practical steps to remove an authorized user and explain the subsequent impacts on both the primary cardholder and the authorized user.

Steps to Remove an Authorized User

To remove an authorized user, the primary cardholder should gather specific information, including the primary account number and the authorized user’s full name. Some credit card issuers may also request additional verification details, such as the authorized user’s date of birth or address.

The most common and often quickest method for removal is contacting the credit card issuer directly by phone. The primary cardholder can call the customer service number located on the back of their credit card. During the call, they will likely need to navigate automated systems before speaking with a representative who can process the removal request.

Many credit card issuers also offer management through online portals or mobile applications. Primary cardholders can log into their account, navigate to a section typically labeled “authorized users,” “account management,” or “card services,” and follow the prompts to remove an individual. This digital option allows completion without a phone call.

While less common, some credit card companies may allow removal requests via mail. If this option is available, the primary cardholder should send a written request including their primary account number, the authorized user’s full name, and a clear statement requesting removal. Sending such a letter via certified mail can provide proof of delivery.

What Happens After Removal

Once an authorized user is removed, their physical card becomes immediately deactivated and unusable for new purchases. The primary cardholder should ensure the physical card is destroyed to prevent any accidental or unauthorized use.

The primary cardholder retains sole financial responsibility for any outstanding balance on the account. This includes all charges made by the authorized user before their removal. The removal action only prevents future charges by the authorized user; it does not absolve the primary cardholder of past financial obligations.

The authorized user’s credit report impact varies but includes the removal of the account history. If the account had a positive payment history and low credit utilization, its removal could affect their credit score by shortening their average age of accounts or increasing credit utilization on other cards. Conversely, if the account had negative marks, such as late payments or high balances, its removal could benefit their credit score. The account typically disappears from the authorized user’s credit report within one to two billing cycles.

The primary cardholder’s credit report and score are unaffected by the removal of an authorized user. Their responsibility for the account and its payment history remains unchanged. Credit card issuers may send a confirmation of the removal to the primary cardholder, either via mail or through their online account, providing documentation of the change.