Thank you very much for your help on this. According to Credit Karma, my TU is 767 and EQ is 766. And it says I have 5 credit cards, which two of them are AU but with Chase. My AAoA is only 1.3 years so all of them are within the 5/24 rules. I'm just feeling my approval odds are very minimum now based on people's feedback here. Even if I remove one authorized user account, my CL could still be a red flag. I'm kind of surprised that Chase count being AU as a standard credit card account but does NOT fully treated them as a credit card account. What I'm saying is that I'm on two of my hubby's Chase cards as AU, so shouldn't they also consider me having a credit history with them? Anyway, thank you so much for your help again and happy New Year!!!
But good luck on the re-con.