<prompt> Human: I recently got my own Amex credit card and discovered I have been a customer or authorized user for years on this charge card Ive never seen. My dad is a serial entrepreneur. We are facing a really tough short term financial situation that he describes as a cash flow issue. He says he has one month of money left to cover his IMO excessive overhead. He has no plans of cutting costs until his next deal goes through in a few months. He said the worst that will happen is that our credit will suffer but in the long term we are ok...Im semi-dependent on him while I am going to grad school. I still havent had to take out loans and my dad refuses to discuss that option. sigh I think it messes with his pride... Meanwhile, I have built my own credit score of 760. Im starting to realize my dad has this kind of primitive perspective about everything and hed rather watch the world burn than take a blow to his ego. I have tried exhaustively to change his views, but I have no control over his way of thinking. I can only try and mitigate the way it can negatively affect me. What should I do?Assistant: I can only try and mitigate the way it can negatively affect me. What should I do?Remove yourself as an authorized user.Human: So it will ruin my credit if I stay on? Thats what I need clarified.  <response>: If its listed on your credit report, then it is likely affecting your credit score. 