It is a regular occurrence to have certain individuals, mostly family or partners, access your Chase credit card. However, as our lives change, the day might come when you need to remove someone from your credit account, but how do you do it?
There are two ways to remove someone from your Chase credit card. First, you can contact a Chase agent via the number on the other side of your credit card. In addition, you can head over to Chase’s website, click on “Accounts,” and check your secure messages inbox, where you can message an agent.
Having an individual connected to your Chase credit card, also known as an authorized user, has both pros and cons. Chase also has specific credit cards that enable you to add and remove people from the account. Luckily, removing someone is a simpler process than adding one.
How To Remove Someone From Your Chase Credit Card
Contacting a Chase agent can remove someone from your Chase credit card. Thankfully, there is more than one way for you to contact them concerning this certain request. Firstly, you can observe the back of your credit card and discover a number that you can utilize to contact an agent.
Secondly, you can head to the Chase online banking website and locate your credit card management page by clicking “Accounts.” From there, you can observe your secure messages inbox, where you can write a message to an agent requesting the removal of an authorized user.
Carefully note that both these processes require a specific and detailed explanation of the certain individual you wish to remove from your Chase credit card.
Can Authorized Users Remove Themselves From The Credit Card?
Credit Card?” class=”wp-image-10479″/>Chase makes your job even easier by allowing the individual to remove themselves from your credit card. They can achieve this by contacting a Chase agent via their website or number.
However, they must remember that to access the account again upon removal, they will need to request the account owner to initiate the adding process.
Reasons To Remove An Authorized User From Your Chase Credit Card
Reasons To Remove An Authorized User From Your Chase Credit Card
The three main reasons to remove an authorized user from your credit card account include the accumulation of bank fees, maturing of a child, and the ending of a relationship or marriage.
The Accumulation Of Various Bank Fees
Even though several people are connected to your credit card account, you are still liable for all payments due. Should an authorized user forget about outstanding payments or ignore them, the responsibility will proceed to you. As a result, the generation of expenses can also greatly increase.
This inclination will increase the credit utilization rate, affecting your overall credit. Therefore, discussing limits and rules for any individuals added to the credit card is important.
Should your terms and conditions be ignored, they should be removed as soon as possible to protect you and other authorized users.
When A Child Becomes Of Age For Their Own Card
It’s common to initially add your child to your credit card if they cannot acquire a card. This method gives your child freedom as they aren’t required to form a contract with the bank.
Removing them from the credit account is beneficial when your child comes of age. Your child can receive a credit card in their name, enabling them to begin accumulating their own credit early.
When A Relationship Or Marriage Ends
Similar to the end of relationships, removing previous partners from your credit card account as soon as possible is wise. This ensures you can avoid any future debts that could develop under your name.
Chase Credit Cards That Enable You To Remove Or Add Authorized Users
Chase remarkably provides four various credit cards that enable you to easily add and remove an unlimited amount of authorized users. Most of these credit cards have no additional fee to add users, but one does include an extra charge.
Below are the Chase credit cards suitable for adding and removing authorized users.
- Chase Freedom Unlimited® – $0 authorized user fee
- Chase Freedom Flex℠ – $0 authorized user fee
- Chase Sapphire Preferred® – $0 authorized user fee
- Chase Sapphire Reserve® – $75 authorized user fee
Conclusion
Chase graciously offers a simple, stress-free process to remove anyone from your credit card account. With various methods to complete this process, further increasing your freedom. Chase’s remarkable agents are extremely helpful and will enable the removal process to be smooth sailing.