To remove an authorized user from your Bank of America credit card, the most direct and effective method is to contact Bank of America's customer service directly.
Step-by-Step Guide to Removing an Authorized User
Removing an authorized user is typically a straightforward process that requires the primary cardholder to initiate the request.
- Locate Your Card and Contact Number: Find your Bank of America credit card. The customer service number is typically printed on the back of the card. This is the most reliable way to reach the correct department for your specific account.
- Call Customer Service: Dial the number on the back of your credit card. Be prepared to go through security verification to confirm you are the primary cardholder.
- State Your Request Clearly: Once connected with a representative, clearly state that you wish to remove an authorized user from your credit card account.
- Provide Necessary Information: You will likely need to provide your account number, personal details (like your name, address, and last four digits of your Social Security Number), and the full name of the authorized user you wish to remove.
- Confirm the Removal: The representative will process your request. Ask for confirmation that the authorized user has been successfully removed and inquire about when the change will take effect.
For general Bank of America support information, you can visit their official contact page: Bank of America Contact Us.
Key Information to Have Ready
To ensure a smooth process when calling, have the following details readily available:
| Information Type | Details to Prepare |
|---|---|
| Primary Cardholder Info | Full Name, Account Number, Last 4 Digits of SSN |
| Authorized User Info | Full Name of the authorized user to be removed |
| Contact Method | The phone number printed on the back of your credit card |
What Happens After Removal?
Once an authorized user is removed, several things occur that are important to note:
- Card Deactivation: Any credit cards issued to the authorized user will be deactivated and can no longer be used for purchases. It's advisable to cut up these cards.
- No Further Charges: The authorized user will no longer be able to make charges on your account.
- Credit Report Impact: For the authorized user, the account will typically be removed from their credit report or marked as closed. This can impact their credit score, especially if it was a long-standing positive account. For the primary cardholder, removing an authorized user does not typically affect their credit score directly.
Important Considerations
- Primary Cardholder Only: Only the primary cardholder has the authority to remove an authorized user from the account. Authorized users cannot remove themselves or other authorized users.
- No Online Removal: Bank of America, like most card issuers, does not typically offer an online portal or mobile app feature to remove an authorized user. Calling customer service is usually the required method for security purposes.
- Review Your Statements: After the removal, monitor your credit card statements to ensure that no further charges are made by the authorized user and that the change has been correctly processed.
Credit Card Management
