<prompt> Human: Alright so I thought I didnt have credit for a while but turns out I do from being an authorized user on my parents two credit card accounts. I applied for the Capitol One Platinum card and got rejected because: Based on your application information, proportion of revolving account balances to income is too high. Now I dont even have access to these cards I am an Authorized User of anymore since the end of March of this year. Im pissed because I find that I do have credit and that this application was a hard pull when I was informed from the bank that it would be a soft one and the fact that my credit score went down 23 points according to CreditKarma. Ouch. I found out today that on my parents credit cards, they hold a super high balance few thousand less than what Id make in a year to put into perspective. According to my mom, their credit is terrible. My score was 689 and now is 666 with that hard pull. It wasnt too bad considering. Can someone explain to me how my parents cards have affected my score? I mean it even back dates my parents Chase card to 12 years ago. Im only 22. Even though my parents hold a high balance, their credit cant be as bad as my mom says it is because my credit isnt that bad? Or is it that my parents bad credit doesnt affect me?Either way, I need to rid myself of these cards off my credit report. I cant undo anything but at least I wont get another letter saying my balance to income is too high, right? Can I dispute this at all? Yes Im an authorized user but its not a joint account. Im not paying those bills. So why was this even the reason for me to be denied? Does Capitol One have the right to deny me in this circumstance? Is it possible to go back to the bank and accuse them of falsely misleading me which they did so I can get that lost 23 points back? How would I go about removing myself from these accounts? Can I call the bank myself and get myself removed from both Chase and American Express cards? Or do I need to go through my parents and have them remove me? Id rather not do the latter. And once Im removed, how long will it be until it show on my credit report? Will these high balances still be an issue once the credit cards are removed?If I cant dispute, once I get myself untied from my parents cards, should I try for a secured card? I know some people have been denied for a secured and that scares me because if I do, what then? I feel like all I can do is apply. No one can really guarantee me a secured card, right? I just dont want my credit to go any lower and I want to know the best way to go about this. tl;dr, my main points: Does being an authorized user mean that my parents bad credit transfer over to me? Can I call out Capitol One for misleading me and potentially get my points back? Im not paying the bills as an Authorized User, Im not a joint, so why does the balance to income even come into play when Im applying for a credit card? Will the high balances on my credit from my parents credit cards still be an issue once Im no longer an Authorized User on those accounts? What is the best way to improve my credit at this time given the facts and should it be a secured card?  <response>: Just have them take you off their cards.also applying for a credit card will always be a hard pull. There is no way around that. Thats exactly what hardpulls are for.but hardpulls dont affect your credit that much or that long. 