I am pretty sad and desperate for answers. I was an authorized user on a credit card of a friend it was a very high limit card $26 grand and she had it for like 25 years . No late payments etc always kept the balance reasonable . I had to claim bankruptcy , she knew i was and removed me from the card about a month prior so in march. She then further wanted to distance so she balance transfered what was on that card to a different card she has . Leaving a zero balance. All seemed ok i proceeded with bankruptcy in April and am waiting on my discharge papers in the mail. Fast fwd to today she found out citi closed her card very suddenly and claimed it was because they considered her a risk , they also through chat asked if she had recently claimed bankruptcy which i find suspicious. As an authorized user no longer on the account and the fact my credit should not be taken into consideration i dont get it. It was her oldest card and i feel mortified. She tried to open a new card and immediate denial . But they left her citi costco card open and so far nothing has happened with that one . Nothing is making sense. Is this my fault? Or did the balance transfer spook them? She also JUST refinanced her home and had no issues as she has excellent credit could that have triggered them to close the card> its all just to suspicious timewise even though they cant use my credit to determine her credit worthiness i feel somehow it was factured in. She said she could only write by mail to appeal according to the people on the phone . So she did but im not to hopeful. And also one last thing. I am STILL an authorized user on her chase credit card which i didnt even know nor did she remember she had put me on several years ago. That has a 16,500 limit and only like a $100 balance . We are both frozen in fear if chase will close her card due to me being an authorized user with a chapter 7 . But dont want to raise red flags like on citi and remove me . Is let sleeping dogs lie applicable here ? Please anyone advice.
