How to Remove an Authorized User From a Credit Card

An authorized user is an individual granted permission by a primary cardholder to use their credit card account. This arrangement allows the authorized user to make purchases, often with a card issued in their own name, yet the primary cardholder retains full responsibility for all charges and payments. Many individuals add authorized users for practical reasons, such as providing a trusted family member with purchasing power or assisting someone in establishing a credit history. This enables the authorized user to benefit from the primary account’s payment activity, potentially aiding their credit profile without the need for an independent credit application.

Gathering Necessary Account Information

Before removing an authorized user, the primary cardholder should gather specific account and personal details. This information streamlines the process with the credit card issuer. The primary cardholder will need the full credit card account number. Additionally, personal verification details, such as their full name, date of birth, and the Social Security number associated with the account, are typically required for security purposes.

The full name of the authorized user being removed is also necessary. If identification numbers, such as a Social Security number, were provided when the user was added, these may also be requested for proper identification and record-keeping by the financial institution. This information helps the credit card issuer verify identity and execute the removal request.

Methods for Authorized User Removal

Once account information is compiled, the primary cardholder can remove an authorized user through several methods. A direct phone call to the credit card issuer’s customer service department is a common approach. The customer service number is typically on the back of the credit card or the issuer’s website. During the call, the primary cardholder will state their intent and provide verification details.

Another method involves utilizing the credit card company’s online portal or mobile application. Many issuers offer features to manage authorized users within their digital platforms. This option is often located under sections like “Account Settings,” “Manage Users,” or “Card Services.” Following the prompts will guide the primary cardholder through the steps to remove the authorized user.

Some credit card companies may accept a written letter for removal, though this is less common and often takes longer. Such a letter should state the primary cardholder’s name, account number, the authorized user’s name, and an explicit request for removal, then mailed to the issuer’s designated address.

Understanding the Impact of Removal

Removing an authorized user from a credit card account has several consequences for both parties. For the authorized user, the account history is typically removed from their credit report. If the account had positive payments and low credit utilization, its removal could decrease the authorized user’s credit score. Conversely, if the primary account had negative marks, such as late payments or high balances, removal can benefit the authorized user’s credit profile by eliminating that history.

For the primary cardholder, removing an authorized user does not impact their credit score. The account’s history and financial responsibility remain solely tied to the primary cardholder. Upon removal, the authorized user’s physical card becomes inactive and should be destroyed, as they will no longer have access to the account or the ability to make purchases. The primary cardholder remains solely responsible for any outstanding balance, including charges made by the authorized user prior to their removal, as authorized users have no legal obligation for the debt.