Authorized user caused 46pt decrease

Authorized user caused 46pt decrease
0.0 0.0 0.0 0.0 0.0 0


My parents added me as an authorized user on their credit card when I started driving to cover gas, pick up the occasional groceries, and for emergencies. Ten years later and I haven’t used or thought about the card in ages. I have two cards of my own that I use regularly (always less than 30% of credit limit) and pay off every month.

My parents recently started building their retirement home. They’ve started charging things like new furniture to the card and apparently using a significant amount of their credit limit. I just got a notification that my score dropped 46 points this month because of the high utilization.

What steps do I need to take to mitigate this? I talked to my parents who plan to pay the current balance in full, as they always do. My first reaction was to have them immediately remove me as a user on the card, but now I’m wondering if I should have them wait until this next payment registers and then remove me. When they pay the balance will that help my score recover, or should I just get off as soon as possible? Is there anything else I can do? How long can I expect it to take to bounce back?


Hello, @EEB, and welcome to the NerdWallet community!

First, I would be very surprised if an authorized user card had that much impact on your score, particularly because you’ve had credit for 10 years.

Second, if you want to be removed as an authorized user, all you need to do is call the number on the back of your card and ask to be removed. (And is there a reason to remain on their credit card as an authorized user? If there’s not, there’s no harm in having yourself removed. Authorized user status tends to help people the most if they are new to credit or have a “thin file.”)

High credit utilization stops hurting a credit score when a lower utilization is reported (it’s not like a late payment, where the effects linger).

I hope that’s useful, and let us know if we can help you further.