How to Remove an Authorized User From American Express: A Definitive Guide

Removing an authorized user from your American Express card is a straightforward process, but it requires knowing the right steps to ensure a smooth transition. As the primary cardholder, you hold the power to initiate this change. To remove an authorized user, simply contact American Express directly. You can do this online through your account, by phone, or via mail. Regardless of the method, be prepared to provide the necessary information, including the authorized user’s name and any identifying details. Once the request is processed, the authorized user’s access to the account will be terminated, and they will no longer be able to make purchases using the card.

Methods for Removing an Authorized User

American Express provides multiple avenues for cardholders to manage their accounts, including the ability to add or remove authorized users. Here’s a breakdown of the most common methods:

Removing an Authorized User Online

The online portal is often the quickest and easiest way to remove an authorized user. Here’s how to do it:

1. Log in to your American Express account: Navigate to the American Express website and log in using your credentials.
2. Access the Account Services section: Look for a section labeled “Account Services,” “Manage Account,” or something similar. The exact wording may vary depending on the website’s design.
3. Find the “Manage Authorized Users” option: Within Account Services, there should be an option to manage authorized users. Click on this.
4. Select the User to Remove: You’ll see a list of all authorized users on your account. Locate the name of the person you want to remove.
5. Initiate the Removal Process: There will likely be a button or link next to their name that says “Remove,” “Delete,” or something similar. Click on it.
6. Confirm Your Request: You’ll be prompted to confirm your decision. Be sure to read the details carefully before proceeding.
7. Submit the Request: Once you’re sure, submit the request. You may receive an email confirmation shortly afterward.

Removing an Authorized User by Phone

If you prefer to speak with a customer service representative, calling American Express is another viable option.

1. Call American Express Customer Service: Find the customer service number on the back of your American Express card or on the American Express website.
2. Identify Yourself as the Primary Cardholder: Clearly state that you are the primary cardholder and wish to remove an authorized user from your account.
3. Provide Account Information: Be prepared to provide your account number, security information, and the authorized user’s name and any other identifying details the representative may request.
4. Request the Removal: Explicitly state that you want to remove the authorized user.
5. Confirm the Removal: The representative will likely confirm the removal and may provide you with a reference number for your records.

Removing an Authorized User by Mail

While less common and slower, removing an authorized user via mail is an option, especially if you prefer a written record.

1. Draft a Letter: Write a letter to American Express clearly stating your request to remove an authorized user from your account.
2. Include Necessary Information: In the letter, include your full name, account number, the authorized user’s full name, and any other identifying information, such as their date of birth or address.
3. Sign and Date the Letter: Ensure the letter is signed and dated by the primary cardholder.
4. Mail the Letter: Mail the letter to the American Express customer service address, which can be found on their website or on your billing statement. Be sure to send it via certified mail to have proof of delivery.

What Happens After Removal?

Once you’ve successfully removed an authorized user, several things will happen:

• Card Deactivation: The authorized user’s card will be deactivated, and they will no longer be able to make purchases using it.
• No Further Charges: Any charges made by the authorized user after the removal date will be your responsibility (although unauthorized charges can always be disputed, and the user would be liable for charges made before removal, unless they were also unauthorized).
• Credit Score Impact: The removal of an authorized user does not automatically erase their credit history associated with the card. The card’s history will continue to appear on their credit report (for as long as it’s reported). However, if they want to dispute the tradeline on their report, they can contact the credit reporting agencies directly.

Frequently Asked Questions (FAQs)

Here are some frequently asked questions related to removing authorized users from American Express, providing even more valuable information:

1. Can an authorized user remove themselves from the account?

No, only the primary cardholder has the authority to remove an authorized user from an American Express account. The authorized user can request it, but the primary cardholder must initiate the removal process.

2. How long does it take to remove an authorized user?

The removal process is usually quite quick. Online or phone requests are typically processed within 24-48 hours. Mail requests may take longer, depending on mail delivery times and processing times at American Express.

3. What information do I need to remove an authorized user?

You generally need the authorized user’s full name and possibly their date of birth or address to verify their identity. Having their card number handy can also expedite the process.

4. Will removing an authorized user affect my credit score?

Removing an authorized user should not directly affect your credit score as the primary cardholder. However, your score could be indirectly impacted if you close the account entirely, which would remove the entire credit history associated with that card.

5. What happens to the authorized user’s credit score when they are removed?

The impact on the authorized user’s credit score can vary. Generally, the credit history of the card will remain on their credit report (for as long as it’s reported), even after removal. If the card has a positive payment history, it could continue to benefit their score. Conversely, if the card had a negative payment history, it could negatively impact their score. However, they can dispute the tradeline with the credit reporting agencies.

6. Does American Express notify the authorized user when they are removed?

American Express may or may not directly notify the authorized user when they are removed from the account. It’s best practice for the primary cardholder to inform the authorized user of the removal.

7. Can I add the same authorized user back later?

Yes, you can add the same person back as an authorized user at a later time, following the standard process for adding authorized users.

8. Is there a fee to remove an authorized user?

No, American Express does not typically charge a fee to remove an authorized user from your account.

9. What if the authorized user has made unauthorized charges?

If the authorized user has made unauthorized charges, you should immediately report them to American Express. They will investigate the charges, and you may not be held liable for them. This is separate from simply removing the authorized user.

10. What if I can’t remember the authorized user’s exact name or details?

Do your best to provide as much accurate information as possible. American Express customer service can often help you locate the authorized user in their system with partial information. However, you’ll likely need to provide at least their first and last name.

11. What if I want to cancel the card entirely instead of just removing an authorized user?

To cancel the entire card, you need to contact American Express and specifically request account closure. Be aware that closing your account can impact your credit score, particularly if it’s an old account with a long credit history.

12. What happens to any rewards points earned by the authorized user?

Rewards points earned on the card belong to the primary cardholder. Removing an authorized user does not affect the points balance or the ability of the primary cardholder to redeem those points.