To remove an authorized user from a credit card, call the customer service phone number on the back of your card or make the request through your online account. You can also mail your request to the issuer, though it would be much slower. Either the primary cardholder or the authorized user can request removal. You will need to provide the card number, the primary cardholder’s name and the authorized user’s name. Some credit card companies require other info such as the primary cardholder’s date of birth or Social Security number, or the answer to a security question.
Regardless of who decides to remove the authorized user from the credit card account, the process is very easy.
How to remove an authorized user from a credit card:
Info needed: You will need at least the primary card’s number and the names of both the primary cardholder and the authorized-user-to-be. The primary cardholder’s date of birth or Social Security number might also be required. And there may be a security question.
Call customer service. Call the number on the back of your card and provide your card number to identify yourself. When you speak with a representative, tell them you’d like to remove an authorized user.
Log in to your online account. Go to the account management page. Find the section for authorized users, select the user you’d like to remove and confirm removal. All of the 10 largest credit card issuers allow you to remove authorized users online.
Send the request by mail. This method is obviously the slowest. Use certified mail if you’d like confirmation of receipt.
Who can make the request: All of the 10 largest credit card companies allow either the primary cardholder or the authorized user to do it. An authorized user cannot remove another authorized user from a credit card, though.
After you remove an authorized user from a credit card, make sure the user knows. That way, they won’t be surprised when they try to use the card and are unable to purchase anything.
Once you remove an authorized user from your credit card, the card’s past payment history, whether negative or positive, will usually remain on the authorized user's credit report. But no new activity from the card will be added. The authorized user may contact the credit bureaus to ask them to remove the history.
Most issuers will remove an authorized user immediately after the request is made. In the meantime, some issuers will allow you to freeze the authorized user’s card or set its spending limit to $0 through your account settings.