authorised user

[stengiz]

i am an authorised user on a friend's cc , she told me about her intention of doing a balance transfer. would the balance transfer lower my utilization? thanks

[09Lexie]

Is she transferring to or from the cc?

[stengiz]

she is transfering into the credit card. as of now there is no balance on the card.and i have used it once or twice

[09Lexie]

Let's try this again.  Currently the cc has no balance and your friend wants to use the credit line from this card as a BT to another card?

[stengiz]

sorry for the confusion but that is right

[09Lexie]

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@stengiz wrote:

sorry for the confusion but that is right

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If she plans on using the credit line- assuming your balances remain the same- your overall util will go up.  

[stengiz]

thank you. Should i take myself out as an authorized user then? since i am not using it and won't be using it anyways? will it affect my AoA?

[09Lexie]

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@stengiz wrote:

thank you. Should i take myself out as an authorized user then? since i am not using it and won't be using it anyways? will it affect my AoA?

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If you take yourself off before the new balance updates you will not have to remove it from your CR's. In some cases, a lender may continue to report - in that case you would need to have the TL removed from your CR's and that would impact your AAOA. 

[stengiz]

thank you again