So, you're thinking about closing an American Express authorized user card? Maybe the user's spending habits aren't aligned with your budget, or perhaps the relationship has simply run its course. Whatever the reason, understanding the implications is crucial.
Firstly, remember that as the primary cardholder, *you* are the one who needs to initiate the closure. The authorized user can't do it themselves. Simply contact American Express customer service – a phone call is usually the quickest method.
What happens next? The authorized user will no longer have access to the card, and all future purchases will be declined. More importantly, the authorized user’s credit history can be affected. While the Amex card's history helped *build* their credit (assuming responsible use), its removal can potentially lower their average age of accounts and overall credit score.
Before closing, consider discussing it with the authorized user to minimize any surprises. Carefully weigh the pros and cons to ensure you're making the best decision for everyone involved. It's always a good idea to communicate your intentions transparently.
