How to Remove an Authorized User From a Credit Card
Gain control of your credit account. This guide provides practical steps to remove an authorized user and clarifies the resulting changes.
An authorized user on a credit card account receives permission from the primary cardholder to make purchases. While they can use the card, they are not legally responsible for the debt incurred; this responsibility lies solely with the primary cardholder. Primary cardholders might consider removing an authorized user for various reasons, such as changes in personal relationships, concerns about spending habits, or if the authorized user has developed their own credit history.
Information Needed Before Removal
Before initiating the removal of an authorized user, the primary cardholder should gather specific account and personal details. The primary cardholder’s full name and the complete credit card account number are foundational requirements for verification. Additionally, the authorized user’s full name is necessary for identification purposes.
Some financial institutions may also request further identifying details for the authorized user, such as their date of birth or Social Security number. Security information, such as a Personal Identification Number (PIN) or account password for online or phone access, may be required to authenticate the primary cardholder. Accessing previous billing statements, reviewing online account portals, or checking correspondence from the issuer can help locate contact details like customer service phone numbers, website login credentials, or mailing addresses.
Common Methods for Removal
The primary cardholder can remove an authorized user by contacting the credit card issuer’s customer service department. This typically means calling the phone number found on the back of the credit card or on a recent billing statement. During the phone call, the cardholder will navigate the automated system to reach a customer service representative. Having the primary account number, security verification details, and the authorized user’s name readily available will facilitate the request. The representative will guide the cardholder through the verification process and confirm the removal.
Many credit card issuers also provide an option to manage authorized users through their online banking portals or mobile applications. This digital method usually involves logging into the primary account, locating a section for managing account users or cardholders, and then selecting the option to remove the specific authorized user. The process typically involves a few clicks to confirm the removal.
For those who prefer written communication, sending a formal request via mail is another method. The letter should include the primary cardholder’s full name, the account number, and a clear statement requesting the removal of the authorized user by their full name. Sending the letter via certified mail with a return receipt requested can provide proof of delivery.
Understanding the Aftermath of Removal
After an authorized user is removed from a credit card account, the physical credit card held by the authorized user becomes invalid and can no longer be used for purchases. The removal typically affects the authorized user’s credit report; the account will generally drop off their report, potentially impacting their credit score depending on their overall credit history and the account’s standing. If the account had a long history of positive payments and low credit utilization, its removal could cause a temporary dip in the authorized user’s score.
The primary cardholder’s credit is generally not directly affected by the act of removal itself, though any prior activity on the account, including charges made by the authorized user, will remain on the primary cardholder’s credit report. Any outstanding balance on the account remains the sole responsibility of the primary cardholder, even after the authorized user is removed. The credit card issuer typically provides confirmation of the removal, which may come via email, a notification within the online account portal, or a mailed letter. The processing time for removal and the reflection of this change on credit reports can vary, usually taking anywhere from a few business days to a full billing cycle.