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Will removing this card hurt my credit?

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Valued Member

Will removing this card hurt my credit?

While I was in the process of improving my credit I had my wife add me as an authorized user on a small $500 cl card of hers. It's been reporting to my credit for about 9 months now. I no longer want this on my credit but I'm wondering if removing me as an authorized user and having this come off my report will cause any issues with my credit score. It's a small card comparatively so I'm thinking not, I just want to be sure. Thank you
Message 1 of 5
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Super Contributor

Re: Will removing this card hurt my credit?


@jch2122 wrote:
While I was in the process of improving my credit I had my wife add me as an authorized user on a small $500 cl card of hers. It's been reporting to my credit for about 9 months now. I no longer want this on my credit but I'm wondering if removing me as an authorized user and having this come off my report will cause any issues with my credit score. It's a small card comparatively so I'm thinking not, I just want to be sure. Thank you

You haven't given us any information needed to answer your question.

 

What credit do you have in your own name? Limits, balances, etc. Also age of your accounts & age of this account.


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 2 of 5
Valued Member

Re: Will removing this card hurt my credit?

I have 7 credit cards, total limits 13k, total balance 1600. Aaoa is 3 years. This account is about 8 months. Thank you.
Message 3 of 5
Super Contributor

Re: Will removing this card hurt my credit?


@jch2122 wrote:
I have 7 credit cards, total limits 13k, total balance 1600. Aaoa is 3 years. This account is about 8 months. Thank you.

I don't see any problem in getting rid of it.


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 4 of 5
Community Leader
Valued Contributor

Re: Will removing this card hurt my credit?


@SouthJamaica wrote:

@jch2122 wrote:
I have 7 credit cards, total limits 13k, total balance 1600. Aaoa is 3 years. This account is about 8 months. Thank you.

I don't see any problem in getting rid of it.


Agreed. Just be done with it. You’ll feel better lol

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