You must call specialised agents or log in to the Chase web platform to remove an authorised user from a credit card. Before proceeding with the deletion, it is imperative to inform the authorised users.
Adding authorised users to your credit card account is different; it will help you get more rewards for your family members’ purchases or build up a credit history without splitting the bills.
Process of removing authorised users from credit card accounts
The most effective way to remove a user from your credit card is through a phone call; you will find the number on the back of the card. After providing some personal information, the agents will proceed to delete the requested user and will send you a confirmation.
If you cannot call, you can communicate through a secure message from the administration page of your account associated with the credit card; click on “Accounts” and look for the inbox. Here you can write your request, be sure to put all the necessary details of the account to be closed.
Can one of the users delete themselves?
Yes, contact an agent via the website or a phone call. The user has to keep in mind that after the deletion, they will no longer have access to the credit line; from that moment on, they will have to contact the account holder for any procedure.
Now, if what is desired is to change the main account holder, first, you must carry out the request through the page; once approved, the person’s removal can be carried out.
Reasons for removing an authorised user from a credit card
To allow more people to use your credit card is a decision that requires care and trust; when you start to observe any of the behaviours mentioned below, it will be time to remove the authorisation.
Many charges start to accumulate
Even if several people are authorised to use your credit card, you will always be responsible for the payments. In this sense, if someone forgets to pay or decides not to pay it off, you will be the only one responsible for it. It can also happen that they start to generate many expenses, and the rate of credit utilisation increases without stopping, affecting your credit.
From the beginning, you should establish limits and rules for using the card; as soon as some users exceed them, you should consider their elimination.
When the user obtains his credit card
Credit card adders can be minors as they do not have to enter into a contract or request the money in their name. Credit card add-ons for minors are common when parents want to give their children some freedom until they can apply for their own cards.
As soon as they acquire their cards, they will want to start building their credit, and it will be time to remove them from your credit.
When the relationship or marriage ends
If the relationship has ended, you should be sure to remove your ex-partner’s authorisation to use your credit card; from the very beginning, you should cut ties with the account to avoid any inconvenience from accumulated debts in your name.
Does the removal negatively impact your credit account?
On the contrary, it can be the most positive decision when you start to reduce the usage rate. When you have an added user who maxes out the cards every month, you will hurt your credit; it will give you a good reputation to contract new products offered by the bank.
Finally, although the process is easy, you should study if it is the right decision, and you should try not to affect your credit negatively.