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Question By
way2hot4ya

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will taking me off a credit card as an "authorized user" will it negatively affect me?
This is my longest revolving credit I have had and I want to get my name off of it since my mom maxed it out and is late on payments every once in a while. Is it better to keep it on and take the late hits? or should I take it off and lose all of that credit history? I have student loans and car loans however keeping my credit afloat.....

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The hit from losing the history is insignificant compared to the hit you currently take from the high utilization and your would take if your mom ever defaulted on payments. I think it's in your best interest to have your name removed and either go without a card or get one in your own name. Wait to apply for a new one once you're off the old card.

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