How to Remove Name From Joint Credit Card


Whenever two names are on a credit card account, one of the account holders may wish to have his name removed, if the financial situation changes. To get a name removed, from a credit card account, there a several steps that needs to be followed. Once the request has been processed there will only be one name on the account. The credit card company will take the necessary steps to handle your request.

  • Call the credit card company and get all of the details regarding this procedure. Find out about all the facts and figures to expedite this request. Ask the credit card company to send out the necessary paperwork. The information in this paperwork states that the person remaining on the account will not be responsible for the entire account balance. No longer will the other card holder have any responsibility for the account once their name is removed. Make sure both credit card account holders understand the details.

  • Sign the form and return it. Both account owners will need to sign the form and then it should be mailed back to the credit card company per enclosed instructions. When the credit card company receives the signed form, the company will process the request. This form gives the representative permission to access the remaining card holder's credit report. A representative will take a look at the credit report of the individual remaining on the account. The company will process the credit request to see if the account holder remaining can maintain the account on her own.

  • Wait for a response from the credit card company. It could take 30 to 45 days to get a response. The credit card company will review the account holder's credit to see if you are paying the debts and to see if you are overextended. If it looks like they will not be able to maintain the account on their own, the credit card company will deny the request and send a letter explaining the reason for denial. If you are approved for the request, you will receive a letter stating that you are now solely responsible for the account balance.

  • Apply again in 60 days. If the denial was a result of having too much debt you can apply again once you pay down your debt. The credit reporting agency will need time to update the reduction in your account balances. If the decision was the result of bad credit, you may have to wait a longer time before applying again. Sometimes it can take quite awhile to correct bad credit. You will need to pay any accounts up to date and continue to maintain a good pay history for at least five to six months before applying.

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