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authorized user to a credit card. The process to add an authorized user to a
credit card is really simple and easy. However, the thing about being an
authorized user on a credit card is that the credit card issuer does report
that credit card as an open account to your credit report.
credit card issuers that allow adding an authorized user to a credit card, but
they also report that to the credit bureau and thus you, as a an authorized
user, will have that one additional card open on your credit report.
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Does Chase Report Authorized Users?
that credit card as an open account on your credit report.
Do Authorized User Cards Count Against Chase’s 5/24 Rule?
when it comes to approving or denying a credit card application based on the
amount of credit cards you open in the past 24 months. When you, an authorized
user, submit a new Chase credit card application later on, Chase will pull
your credit report. Chase cannot tell whether you are just an authorized user
on an open credit card account that they see on your credit report. If Chase
sees that you have 5 or more new credit card accounts in the past 24 months,
Chase will not approve your new application. However, it is known that you can
Chase reconsideration line
to explain so that they don’t count that authorized user card against the 5
How To Remove Chase Authorized User Credit Card Account From Your Credit
credit report. By default, when you are removed as an authorized user on a
Chase credit card, that account does not get removed from your credit report
and then send a secured message to Chase online with the following instruction
that is provided by Chase below.
Instruction on How to Remove Authorized User Account From Your Credit Report
Editor’s Note: After the form is completed and signed, you can simply
send a secured message to Chase and attach the form to the message.
that credit card account will disappear from your credit report as an open