my overall utilization is 22%and 730 score, should I apply a new credit card or wait

[KCC100]

So I contacted Chase and they told me that I have Two options, Either delete the entire account from my credit report, or keep the good payment history but closed the account with Zero balance, which one should I choose?

[KCC100]

cashbacks and points.

[SouthJamaica]

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@KCC100 wrote:

So I contacted Chase and they told me that I have Two options, Either delete the entire account from my credit report, or keep the good payment history but closed the account with Zero balance, which one should I choose?

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Sorry I don't know what account you're referring to.  I don't recall seeing any references to Chase above.

[KCC100]

Basically, it's someone else's credit card, I'm listed there as an AU, that credit card has a high balance so previews users advised me to remove it from my name because it's not helping me.

[Horseshoez]

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@KCC100 wrote:

Basically, it's someone else's credit card, I'm listed there as an AU, that credit card has a high balance so previews users advised me to remove it from my name because it's not helping me.

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I would go one step further, being an AU on those cards is hurting your scores.

[KCC100]

So should I remove the thread line of the AU  account or keep the history and close the account with Zero balance

[Horseshoez]

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@KCC100 wrote:

So should I remove the thread line of the AU  account or keep the history and close the account with Zero balance

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Get taken entirely off the AU accounts; you'll come out ahead.

[KCC100]

Thanks a lot for your suggestion, I'm just curious though what's the downside if I keep the payment history and the account reports Zero? I thought the problem is the balance, not the payment history. Does an AU account is bad generally?