topic Re: For Chase, is there a way to remove authorized users? in Credit Cards

For Chase, is there a way to remove authorized users?

Anonymous — Thu, 27 Aug 2015 23:02:08 GMT

So I'll be getting the AU bonus pretty soon when my statement cuts, but I'm wondering if there's some way to remove an AU from my Chase Freedom?

Re: For Chase, is there a way to remove authorized users?

icyhot — Thu, 27 Aug 2015 23:13:38 GMT

Of course, you can remove an AU whenever. You can probably do it through the message center

Re: For Chase, is there a way to remove authorized users?

Anonymous — Thu, 27 Aug 2015 23:16:48 GMT

Okay, but no way to do it without human interaction?

Re: For Chase, is there a way to remove authorized users?

Anonymous — Thu, 27 Aug 2015 23:20:00 GMT

Send them a SM and tell them do delete John Doe as your AU. They will respond back with the removal.

Re: For Chase, is there a way to remove authorized users?

Anonymous — Fri, 28 Aug 2015 02:03:00 GMT

W the actual F?

I have to ask, and I see this a lot on this forum, but why "evade" human interaction? I was on another thread and someone wanted all the ways you could do it without calling someone in person.

I had someone recently code my cars (add some features) and he refused to speak to me, text message back and forth for an hour while he remotely worked on two of my cars.

Is there a benefit I'm not aware of? (Sorry to hijack)

Re: For Chase, is there a way to remove authorized users?

Anonymous — Fri, 28 Aug 2015 02:58:14 GMT

@Anonymous wrote:
W the actual F?

I have to ask, and I see this a lot on this forum, but why "evade" human interaction? I was on another thread and someone wanted all the ways you could do it without calling someone in person.

I had someone recently code my cars (add some features) and he refused to speak to me, text message back and forth for an hour while he remotely worked on two of my cars.

Is there a benefit I'm not aware of? (Sorry to hijack)

http://bfy.tw/1J6f

Re: For Chase, is there a way to remove authorized users?

Anonymous — Fri, 28 Aug 2015 03:37:51 GMT

@Anonymous wrote:
W the actual F?

I have to ask, and I see this a lot on this forum, but why "evade" human interaction? I was on another thread and someone wanted all the ways you could do it without calling someone in person.

I had someone recently code my cars (add some features) and he refused to speak to me, text message back and forth for an hour while he remotely worked on two of my cars.

Is there a benefit I'm not aware of? (Sorry to hijack)

There's no exact benefit, but there are some reasons as to why someone might not want to talk to others by phone/through speech, and it largely has to do with anxiety--irrational anxiety on the phone, for example, is a symptom of social anxiety disorder.

People with learning disabilities that affect communication, and those with speech impediments such as significant stutters will sometimes communicate better by writing and revising their correspondence until it feels right instead of trying to say something correctly on the phone on the first try. People aren't exactly patient, and I think that goes double for CSRs who listen to people on the phone all day.

Also, a lot of people with limited spoken English, as well as people who learned English late in life, may not be easily understood over the phone, and this brings a lot of frustration, as well as embarrasment in some--for example, my mother is averse to talking on the phone because, despite being a fluent English speaker, she has an incredibly heavy accent, and she becomes embarrassed when people can't understand her. Since her only problem is her accent, writing instead eliminates that obstacle.

Some people might also be asking for something such as an SP CLI, or an APR reduction, or reconning a decision, and they might just be a more convincing writer than speaker.

It's not always that the person is too lazy to talk, or is asocial, or something; it can be a little more complicated. But, yeah, sometimes it's a reason like I said above, sometimes it's because the person just doesn't like talking on the phone for whatever reason. It's good that with some lenders, we can also communicate online or perform a self-service, instead of talking on the phone. In the end of the day, it's convenient and everyone's got an option.

In terms to the AU removal, will Chase attempt to update the CRAs, or would one need to dispute to remove the information?

Re: For Chase, is there a way to remove authorized users?

gibeon — Fri, 28 Aug 2015 13:12:27 GMT

On the AU's credit report the account will show as terminated (not a negative indicator) and any balance will be removed and not update. The card limit and any payment history showing will continue to be shown and the account will float on their report like anyany other closed account.

They will lose any utilization penalty/benefit from the card, but will keep the AAoA factor.

Re: For Chase, is there a way to remove authorized users?

newhis — Fri, 28 Aug 2015 14:54:22 GMT

@gibeon wrote:
On the AU's credit report the account will show as terminated (not a negative indicator) and any balance will be removed and not update. The card limit and any payment history showing will continue to be shown and the account will float on their report like anyany other closed account.

They will lose any utilization penalty/benefit from the card, but will keep the AAoA factor.

If I want to remove the AU from my reports (once it is closed), then I need to file a dispute, right?

My DW added me in a couple of cards, but then I got a couple of Amex with a MSD from a few years back, so it is better for my AAoA factor if I remove all the AUs from my reports.

Re: For Chase, is there a way to remove authorized users?

Anonymous — Fri, 28 Aug 2015 15:23:31 GMT

I was told that Chase will notify the CRAs for you, but you'll have to ask them to do it, and they'll only do it after you remove the AU first.

Re: For Chase, is there a way to remove authorized users?

Anonymous — Fri, 28 Aug 2015 18:52:01 GMT

I feel bad for messing with my childhood nickname's credit report but don't care too much

Re: For Chase, is there a way to remove authorized users?

ABD — Sat, 29 Aug 2015 17:41:34 GMT

Is the accurate? I've been contemplating removing myself as a AU on my mom's Chase card because I am in the process of buying a house and she has a $2500 balance on an account that has a $7k limit. The mortgage folks are factoring the $50 min payment into my DTI. The only issue is this account has been opened since 1993.

Are you saying she can remove me as an AU, thus removing the min payment required, and I can still keep the AAoA factor ('93)?

Re: For Chase, is there a way to remove authorized users?

Kenny — Sat, 29 Aug 2015 18:02:23 GMT

No, you can't have your cake and eat it, too.. ABD. If you get it removed, than that removes the factor into the AAoA. She just needs to pay it off and have it updated reporting wise.

Re: For Chase, is there a way to remove authorized users?

ABD — Sat, 29 Aug 2015 18:03:20 GMT

Hmmm, I thought so but that's what gibeon said earlier in the post...

Re: For Chase, is there a way to remove authorized users?

ABD — Sat, 29 Aug 2015 18:07:11 GMT

@gibeon wrote:
On the AU's credit report the account will show as terminated (not a negative indicator) and any balance will be removed and not update. The card limit and any payment history showing will continue to be shown and the account will float on their report like anyany other closed account.

They will lose any utilization penalty/benefit from the card, but will keep the AAoA factor.

Re: For Chase, is there a way to remove authorized users?

Kenny — Sat, 29 Aug 2015 22:57:05 GMT

@ABD wrote:
@gibeon wrote:
On the AU's credit report the account will show as terminated (not a negative indicator) and any balance will be removed and not update. The card limit and any payment history showing will continue to be shown and the account will float on their report like anyany other closed account.

They will lose any utilization penalty/benefit from the card, but will keep the AAoA factor.

That may be accurate, I've unfortunately not had experience with this. Hopefully, someone who knows better than me will come along. lol

My bad for answering.. I thought that was accurate, though!

Re: For Chase, is there a way to remove authorized users?

Anonymous — Sun, 30 Aug 2015 03:16:42 GMT

@Anonymous wrote:
@Anonymous wrote:
W the actual F?

I have to ask, and I see this a lot on this forum, but why "evade" human interaction? I was on another thread and someone wanted all the ways you could do it without calling someone in person.

I had someone recently code my cars (add some features) and he refused to speak to me, text message back and forth for an hour while he remotely worked on two of my cars.

Is there a benefit I'm not aware of? (Sorry to hijack)
There's no exact benefit, but there are some reasons as to why someone might not want to talk to others by phone/through speech, and it largely has to do with anxiety--irrational anxiety on the phone, for example, is a symptom of social anxiety disorder.

People with learning disabilities that affect communication, and those with speech impediments such as significant stutters will sometimes communicate better by writing and revising their correspondence until it feels right instead of trying to say something correctly on the phone on the first try. People aren't exactly patient, and I think that goes double for CSRs who listen to people on the phone all day.

Also, a lot of people with limited spoken English, as well as people who learned English late in life, may not be easily understood over the phone, and this brings a lot of frustration, as well as embarrasment in some--for example, my mother is averse to talking on the phone because, despite being a fluent English speaker, she has an incredibly heavy accent, and she becomes embarrassed when people can't understand her. Since her only problem is her accent, writing instead eliminates that obstacle.

Some people might also be asking for something such as an SP CLI, or an APR reduction, or reconning a decision, and they might just be a more convincing writer than speaker.

It's not always that the person is too lazy to talk, or is asocial, or something; it can be a little more complicated. But, yeah, sometimes it's a reason like I said above, sometimes it's because the person just doesn't like talking on the phone for whatever reason. It's good that with some lenders, we can also communicate online or perform a self-service, instead of talking on the phone. In the end of the day, it's convenient and everyone's got an option.

In terms to the AU removal, will Chase attempt to update the CRAs, or would one need to dispute to remove the information?

IMO, a more common reason (my own, so it must be more common!) is simply convenience. Much quicker to fire off an email or fill in a form than get on the phone, especially if you are already on the phone for work for example (way too many phone conferences). And it's not as if I actually have or want a relationship with the CSR, so email etc is quite sufficient.

And for some, incliuding me, you don't want "eyes on the account" because of things that may raise questions you don't particularly want to answer.