29 point jump for hubby and a Cap1 PC and AU question

[Anonymous]

I'm going to remove him as AU on my Cap1 cards. Only one is reporting so far so he definitely doesn't need them (662 on EX). On the one that is reporting would it be better to remove him when it has no balance or does it matter? And we're going to try to PC his cap1 platinum to a QS. Does it need to have no balance or does it matter?

[Anonymous]

Just removed hubby from my QS1 and unsecured Platinum. The AU weaning process has begun.

[BallBounces]

What is the advantage of removing your husband as an authorized user from your card accounts?

[Anonymous]

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@BallBounces wrote:

What is the advantage of removing your husband as an authorized user from your card accounts?

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AU should not be done on a permanent basis. It should only be usedto "jumpstart" a persons credit. Once they can get accounts on their own, then its time to remove them.

[BallBounces]

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@Anonymous wrote:

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@BallBounces wrote:

What is the advantage of removing your husband as an authorized user from your card accounts?

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AU should not be done on a permanent basis. It should only be usedto "jumpstart" a persons credit. Once they can get accounts on their own, then its time to remove them.

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Why? 

For what it is worth,  I have been an AU on a card for 24 years.   There is no "jumpstart" associated with that arrangement.  My question is, why should a spouse remove their better half from a card as an AU?   Because it can be done?

[Anonymous]

I am curious as well. Is there an advantage? My DW is on all my cards - never thought of that as a negative.

[BallBounces]

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@Anonymous wrote:

I am curious as well. Is there an advantage? My DW is on all my cards - never thought of that as a negative.

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If those are her oldest tradelines, she has some of her own tradelines, and the cards are used responsibly, then there is definitely no "advantage" to removing a spouse as an AU on a card or two.