How to remove an authorized user from a Chase credit card
You can remove an authorized user from your Chase credit card by calling Chase customer service, visiting your online account, or going to a Chase branch in person. The fastest method is usually a phone call — you'll reach someone in a few minutes, confirm the cardholder's identity, and the removal takes effect when ready. The authorized user's card will no longer work, though the account history may remain visible to them depending on how Chase handles their online access after removal.
Chase does not charge a fee to remove an authorized user. The process is straightforward because you are the primary cardholder and have full authority over who can use the account. There is no waiting period or approval step — once you request the removal, it happens right away.
Key Takeaways
- Call Chase at the number on the back of your card, tell them you want to remove an authorized user by name, and the removal takes effect when ready with no fee.
- You can also remove an authorized user through your Chase online account under the card settings or by visiting a Chase branch with your ID.
- The authorized user's physical card will stop working, but they may still see past transactions if they have online access to the account.
- Removing an authorized user does not change your credit score or the account's payment history, which stays on your credit report.
- If the authorized user has made charges that haven't posted yet, you remain responsible for paying them even after removal.
Removing an authorized user by phone
Call the customer service number on the back of your Chase credit card. You'll need to verify your identity — usually by providing your card number, Social Security number, or date of birth. Tell the representative you want to remove an authorized user and provide the person's full name as it appears on their card.
The representative will confirm the removal and may ask why you're removing them, though you don't have to provide a reason. The authorized user's card will be deactivated within minutes. If the person has a PIN or online access set up under their name, you can ask the representative whether that access will be removed as well, since policies vary.
Removing an authorized user online
Log into your Chase online account or the Chase mobile app. Navigate to the card settings or account management section — the exact location depends on which Chase product you have, but it's usually labeled "Manage Card" or "Authorized Users." Select the authorized user you want to remove and look for a "Remove" or "Delete" option.
You may be asked to confirm the removal by entering a code sent to your phone or email. Once confirmed, the removal is complete. If you don't see an authorized user option in your online account, call Chase instead — some older account types or card products don't offer online removal.
Removing an authorized user at a Chase branch
Visit any Chase branch with a valid photo ID and your credit card. Tell the banker you want to remove an authorized user. They will verify your identity, confirm the name of the person you're removing, and process the request on the spot. This method works well if you prefer to handle it in person or if you're already at a branch for another reason.
Bring your ID and card to speed up the process. The banker may ask for the authorized user's card number or the last four digits, so have that information ready if you have it. The removal takes effect when ready.
What happens to the authorized user after removal
The authorized user's physical card will no longer work at merchants or ATMs. If they try to use it, the transaction will be declined. However, they may still be able to see the account's transaction history and balance if they have online or mobile access set up under their name — Chase doesn't always automatically remove digital access when a card is deactivated.
If you want to may support the authorized user cannot see the account online, ask Chase to remove their online access as well when you request the card removal. This is a separate step and requires you to ask for it explicitly. The authorized user will not receive a notice from Chase that their access has been removed, so you may want to tell them yourself to avoid confusion.
Charges made before removal and your responsibility
You remain responsible for all charges the authorized user made, even after you remove them. If they made a purchase that hasn't posted to your account yet, you will still owe that amount. The authorized user is not liable for the debt — as the primary cardholder, the account and all charges on it are your responsibility.
If you're concerned about unpaid charges or unauthorized use, contact Chase when ready. Disputed charges can be reported, but the process is different from removing an authorized user. If you suspect fraud, tell Chase right away so they can investigate and potentially reverse charges.
Removing an authorized user does not affect your credit
Removing an authorized user will not change your credit score or credit report. The account itself stays on your credit history with the same payment record it had before. If the authorized user was an adult and the account was reported to the credit bureaus under their name as well, removal may eventually stop new activity from appearing on their credit report, but past history will remain.
Your credit utilization — the amount of credit you're using compared to your limit — may change slightly if the authorized user was making regular charges. If removing them lowers your total spending on the card, your utilization ratio may improve, which could have a small positive effect on your score over time.
Frequently Asked Questions
Can an authorized user remove themselves from my card?
No. Only the primary cardholder can remove an authorized user. The authorized user cannot call Chase and request their own removal. If you want them off the account, you must initiate the removal yourself.
Will the authorized user know I removed them?
Chase will not send them a notice. Their card will straightforward stop working the next time they try to use it. You should tell them directly so they understand what happened and don't waste time trying to use a deactivated card or calling Chase confused.
Can I remove an authorized user if they're a minor?
Yes. You can remove a minor authorized user the same way you remove an adult — by phone, online, or in person. There are no special rules or restrictions based on age.
What if the authorized user disputes charges after I remove them?
Once removed, they cannot dispute charges directly with Chase. Any dispute would have to come from you as the primary cardholder. If they believe a charge was unauthorized, they should contact you to discuss it, and you can then file a dispute with Chase if you agree.
How long does it take for the authorized user's card to stop working?
The card is usually deactivated within minutes of your request. In rare cases it may take a few hours, but you can assume it's inactive when ready after you complete the removal process. If the authorized user tries to use it and it's still working after several hours, call Chase to confirm the removal went through.