Your name can be added to a credit card by either applying for the credit card and being approved or by being added, as an authorized user, to another person's credit card. An authorized user can be removed from a credit card account at any time, but if you applied for the credit card with another person, removing your name will require the cooperation of the other account holder and working with the creditor.
Instructions
- 1
Call the credit card company and ask if you are an authorized user. Ask for your name to be removed if you are only listed as a card user. If not, proceed to Step 2.
2Contact the other person on the account to see if he is willing to take responsibility for the current balance on the credit card. Have him contact the creditor and ask to remove your name and let the creditor know he will take full responsibility for the account. The credit card company is likely to require him to qualify for the current credit card limit before approving this request.
3Call the credit card company back if he refuses to accept future responsibility for the credit card. Tell the agent that you wish to be removed from the credit card and refuse to take responsibility for any future charges. You will still be responsible for the charges already posted to the account but not for further credit card charges that the other cardholder makes. Ask the agent if there are any other options to prevent you from being responsible for future charges.
4Expect the agent to suggest the other account holder open an account in his name and transfer the balance. Explain to the agent that he is unwilling to do this and you are not willing to remain responsible for future charges and you either want the account closed or your name removed. Call back at a later time if you have an agent unwilling to help you.
5Call back at a later date to ensure the action has been taken and you are no longer on the credit card, the account is solely in the other cardholder's name or the account is closed.
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