I'm an authorized user on my parents' AMEX account, although I never use the card. They charge significant amounts each ($2000+) but they always pay it off.
I'm about to apply for a mortgage, and it just occured to me that this may be affecting my score. Will their charges go into my debt-to-income ratio? Is this affecting my utilization rate?
If so, what would be the best course of action. Should I get removed as a user? Or, for the sake of the mortgage, should I just ask them not to use the card for a couple of months?
