Getting Removed as a Joint Credit Card Account Holder

Dear Experian,

I am a cosigner and the secondary user on a credit card. I am not the primary user. I want my name removed from the account. I called the credit card company, and they will not remove me. Is there a way to remove my name? The primary user tried also, and they still won't do it.


Dear WKN,

When you and the other person applied for the account, the credit card company approved the application based on your ability to pay as well as theirs. By signing the contract, you became a joint account holder. As a joint account holder, you share full responsibility for payment of the debt under the credit card contract. The account will appear on both your credit report and the other person's.

In order to have your name removed from the account, the credit card provider must agree to alter the contract, removing you as a responsible party. In order to do so, they may require that the other person qualify for the account independently.

If the credit card company is unwilling to alter the contract and remove you as joint account holder, it is likely the primary borrower does not qualify for the account on his or her own or the company does not have assurance that the account will be paid as agreed.

Because the lender declined your request to remove your responsibility for the debt, your only option may be to pay off any debt on the card and request that the account be closed.

Before agreeing to cosign for any account or becoming a joint account holder in the future, make sure both you and the primary account holder understand your responsibilities to the account and to each other.

Thanks for asking.
The "Ask Experian" team