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TPG reader Frankie sent me a message on Facebook to ask about improving his credit score:

“I recently realized that my credit score has dropped because of one of my parents’ credit cards. I was added as an authorized user long ago, and now they have a high balance on that account. Will removing myself as an authorized user get that card instantly wiped from my credit history, thus increasing my score?”

You can benefit from adding an authorized user to your credit card account, but there are also some risks involved. Likewise, being added as an authorized user can be an asset or a liability depending on whether the primary cardholder manages the account responsibly. Their account activity can show up on your credit report, so things like missed payments or high balances can impact your score. Fortunately, getting yourself removed from a troubled account is a straightforward process.

In Frankie’s case, I would try to find a way to lower the balance on his parents’ account before he removes himself from it entirely. One option would be to have them open a new card that offers a 0% APR balance transfer. That would help them avoid paying interest on the existing balance (at least temporarily), and would keep that card and its long history active on Frankie’s credit report, so he can maintain the average age of his accounts. The Chase Slate card is a particularly good option, since you get a 0% APR for 15 months and there are no fees for balances transferred in the first 60 days.

If that approach won’t work, then Frankie can get himself taken off the account. As an authorized user, this may be as simple as calling the number on the back of your card and asking to be removed. However, some card issuers only allow the primary cardholder to make such a request, so you might have to get that person to call on your behalf.

Once you’ve been removed as an authorized user, the account may still show up on a credit report (as closed), but the balance should no longer be factored into your credit utilization ratio. In some cases you can get the account completely removed from your credit history, but only if the card issuer requests it. The effect won’t be instantaneous either way, but you should see an uptick in your credit score within a month or two.

Image courtesy of Shutterstock.
Look to remove as an authorized user if the account is dragging down your credit score. Image courtesy of Shutterstock.

Keep in mind that the process is very different if you’re a joint account holder rather than an added user. In that case, you’re equally responsible for any authorized charges, so you (or someone) would have to pay down the balance before you could close the account.

For more on managing your credit score and adding authorized users, check out these posts:

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at

Chase Sapphire Preferred® Card

Even after the introduction of the Chase Sapphire Reserve, the Chase Sapphire Preferred is still a fantastic choice if you want to avoid the Reserve’s $450 annual fee, earn 2x on all travel & dining and earn a 50,000 point sign up bonus.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.